Blog & News

As we move into 2026 auto lenders continue to face a challenging environment.  Credit unions are navigating a convergence of rising auto loan delinquencies, ongoing vehicle affordability challenges, and aggressive competition from banks, captives, and fintechs that often prioritize volume over sound risk management. While some macroeconomic easing may emerge, core risks—especially negative equity—are likely to persist. For credit union leaders, the mandate is clear: uphold fi

Auto lending is evolving at record speed. Consumer expectations are rising, captives are competing fiercely, and instant decisioning is...