Experian's State of the Automotive Finance Market Report: Q1 2026

The Experian Automotive State of the Automotive Finance Market Report for Q1 2026 is now available.

This quarter’s report highlights several key trends shaping the automotive finance landscape:

  • Used financing share increased while overall volumes declined.
  • Growth shifted toward non-prime segments.
  • Banks and finance companies continued gaining share.
  • Loan amounts, payments, and terms increased.
  • Leasing declined year-over-year.
  • Refinance activity grew, with average monthly savings.
  • Delinquencies remained elevated.

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It’s reflective of the full market, vs just a selected survey. So it is a better measure of reality, and lessens the risk of sample bias, etc.

Nathan Orth Sr. Category Manager
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