State of the Automotive Finance Market First Quarter 2015

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State of the Automotive Finance Market First Quarter 2015

Melinda Zabritski | Sr. Director Experian Automotive

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Session overview

Originations

New and Used financing Lender and transaction types Loan & lease characteristics

Market overview

Outstanding balances Risk distributions Deliqnuencies

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VantageScore 3.0 ranges

Score ranges

Category Super prime Prime Nonprime Subprime Deep subprime

VantageScore? 3.0 781 ? 850 661 ? 780 601 ? 660 501 ? 600 300 ? 500

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HERE

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Originations

New and used lending

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Growing reliance upon financing

77.6% 46.1%

81.7% 48.9%

81.1% 51.1%

83.4% 52.5%

84.6% 53.5%

84.9% 55.6%

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

Percentage of vehicles with financing

New Used

Q1 2010 Q1 2011 Q1 2012 Q1 2013 Q1 2014

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Q1 2015

Source: Experian Automotive

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Percentage of used model year vehicles without loans

64.9% of all vehicles financed in Q1 2015 were used

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0%

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