U.S. auto loan credit availability rose slightly in September 2025, driven by higher subprime lending and longer loan terms. Market dynamics show lenders balancing risk amid increased negative equity and evolving economic factors.

Explore how California SB 766, the CARS Rule, introduces new auto finance compliance requirements including changes to cancellation and record retention, affecting legal and operational practices.

TransUnion reports an increase in consumers 60+ days behind on car payments to 1.4% in Q1, indicating rising auto loan delinquencies and potential insurance risk implications.