Dealertrack’s Credit Availability Index remained at 100 last month, reflecting offsetting indicators that include a lower approval rate and a growing share of subprime loans. +

The latest Digital Transformation Index shows a 4.6% decline in econtracting volume from the third quarter to the fourth but a 3.2% increase over the course of 2025. +

Dealertrack reports loan approval rates continue to trend upward as of the end of December, capping a year in which the availability of dealer-arranged financing improved by 3.6%. +

Dealertrack’s Credit Availability index climbed to 99.1 in November, a new high for 2025 and its best level since October 2022, buoyed by higher approval rates and down payments. +

TransUnion’s Q3 2025 Credit Industry Insights Report finds a growing disparity among U.S. car buyers seeking auto loans, who increasingly find themselves in the highest- and lowest-risk credit tiers. +

Fitch Ratings analysts say the escalating cost to purchase and maintain a vehicle has pushed defaults, repossessions and the rate of loans more than 60 days past due to historic levels. +

Wolters Kluwer’s Digital Transformation Index shows the adoption of digital workflows ticked down by 2.3% from the second quarter but improved by 4.3% year-over-year. +

JPMorgan Chase, Fifth Third and Barclays are among the credit line providers facing massive losses as retailer and subprime lender Tricolor Auto enters bankruptcy proceedings. +

Arra Finance has agreed to acquire Crescent Bank’s automotive division, quadrupling origination volume and adding about 180 employees, $1 billion in assets and $815 million in existing auto loans. +

Dealertrack’s Credit Availability Index maintained a steady upward course in May, improving to 96.7, a modest month-over-month increase and a nearly three-year high. +