As Consumers Return to the Auto Market in 2025, Lenders Face Heightened Challenges in Determining Risk
TransUnion (NYSE: TRU) has released a new analysis during the 2025 AFSA Vehicle Finance Conference in New Orleans, highlighting the challenges lenders will face as consumers reenter the auto market in 2025 with more complex credit profiles. The Consumer Pulse Study indicates that nearly one in four consumers plan to seek new auto loans or leases by October 2025, with 31% reporting better-than-expected finances in October 2024.
Millennials are the most likely demographic to purchase a vehicle in early Q1 2025, with 31% showing interest, compared to 21% of Gen Z. However, only four in ten Millennials felt their financial situation improved in 2024. The report stresses the importance of lenders using comprehensive tools to assess borrower risk accurately.
TransUnion's 2025 Consumer Credit Forecast predicts a slight decline in auto delinquencies, contingent on lenders' thorough risk assessment practices. Tools like AutoCreditInsight, developed with S&P Global Mobility, offer depersonalized credit data and vehicle registration information to aid lenders in making informed decisions. The new AutoCreditInsight Vintage Analysis further provides insights into market loan performance trends.
Lenders are encouraged to optimize underwriting and pricing strategies, manage dealer relationships, and monitor portfolio health to adapt to the evolving market dynamics.
TransUnion (NYSE: TRU) ha rilasciato una nuova analisi durante la Conferenza sul Finanziamento dei Veicoli AFSA 2025 a New Orleans, evidenziando le sfide che i prestatori dovranno affrontare mentre i consumatori rientrano nel mercato automobilistico nel 2025 con profili di credito più complessi. Lo Studio sul Polso dei Consumatori indica che quasi uno su quattro consumatori prevede di richiedere nuovi prestiti o leasing auto entro ottobre 2025, con il 31% che riporta una situazione finanziaria migliore del previsto nell'ottobre 2024.
I Millennials sono il gruppo demografico più propenso ad acquistare un veicolo all'inizio del Q1 2025, con il 31% che mostra interesse, rispetto al 21% della Gen Z. Tuttavia, solo quattro Millennials su dieci hanno ritenuto che la loro situazione finanziaria sia migliorata nel 2024. Il rapporto sottolinea l'importanza per i prestatori di utilizzare strumenti completi per valutare accuratamente il rischio dei mutuatari.
La Previsione sul Credito dei Consumatori 2025 di TransUnion prevede una leggera diminuzione dei casi di morosità auto, a condizione che i prestatori adottino pratiche di valutazione del rischio approfondite. Strumenti come AutoCreditInsight, sviluppati con S&P Global Mobility, offrono dati di credito depersonalizzati e informazioni sulla registrazione dei veicoli per aiutare i prestatori a prendere decisioni informate. La nuova Analisi Vintage di AutoCreditInsight fornisce ulteriori informazioni sulle tendenze delle performance dei prestiti nel mercato.
Si invita i prestatori a ottimizzare le strategie di sottoscrizione e pricing, gestire le relazioni con i concessionari e monitorare la salute del portafoglio per adattarsi alle dinamiche di mercato in evoluzione.
TransUnion (NYSE: TRU) ha publicado un nuevo análisis durante la Conferencia de Financiamiento de Vehículos AFSA 2025 en Nueva Orleans, destacando los desafíos que enfrentarán los prestamistas a medida que los consumidores reingresen al mercado automotriz en 2025 con perfiles crediticios más complejos. El Estudio de Pulso del Consumidor indica que casi uno de cada cuatro consumidores planea buscar nuevos préstamos o arrendamientos de automóviles para octubre de 2025, con un 31% que reporta unas finanzas mejores de lo esperado en octubre de 2024.
Los Millennials son el grupo demográfico más propenso a comprar un vehículo a principios del primer trimestre de 2025, con un 31% mostrando interés, en comparación con el 21% de la Generación Z. Sin embargo, solo cuatro de cada diez Millennials sintieron que su situación financiera mejoró en 2024. El informe enfatiza la importancia de que los prestamistas utilicen herramientas exhaustivas para evaluar con precisión el riesgo de los prestatarios.
El Pronóstico de Crédito al Consumidor 2025 de TransUnion predice una ligera disminución en la morosidad automotriz, dependiendo de las prácticas de evaluación de riesgo minuciosas de los prestamistas. Herramientas como AutoCreditInsight, desarrolladas junto con S&P Global Mobility, ofrecen datos crediticios despersonalizados e información sobre el registro de vehículos para ayudar a los prestamistas a tomar decisiones informadas. El nuevo Análisis Vintage de AutoCreditInsight proporciona además información sobre las tendencias del desempeño de los préstamos en el mercado.
Se anima a los prestamistas a optimizar las estrategias de suscripción y precios, gestionar las relaciones con los concesionarios y monitorear la salud de la cartera para adaptarse a las dinámicas del mercado en evolución.
TransUnion (NYSE: TRU)는 뉴올리언스에서 열린 2025 AFSA 차량 금융 컨퍼런스에서 새로운 분석을 발표하여 소비자들이 2025년에 더 복잡한 신용 프로필로 자동차 시장에 재진입함에 따라 대출자들이 직면하게 될 도전 과제를 강조했습니다. 소비자 여론 조사에 따르면 거의 4명 중 1명인 소비자가 2025년 10월까지 새로운 자동차 대출이나 리스를 신청할 계획이며, 2024년 10월에 31%가 예상보다 더 나은 재정 상황을 보고했습니다.
밀레니얼 세대는 2025년 1분기 초에 차량을 구매할 가능성이 가장 높은 인구 통계 그룹으로, 31%가 관심을 보인 반면 Z세대는 21%에 불과했습니다. 그러나 밀레니얼 세대의 40%만이 2024년에 재정 상황이 개선되었다고 느꼈습니다. 보고서는 대출자들이 차입자의 위험을 정확하게 평가하기 위해 포괄적인 도구를 사용하는 것이 중요하다고 강조합니다.
TransUnion의 2025 소비자 신용 전망은 대출자가 철저한 위험 평가 관행을 준수할 경우 자동차 연체가 약간 감소할 것으로 예상합니다. S&P Global Mobility와 함께 개발된 AutoCreditInsight와 같은 도구는 대출자가 정보에 입각한 결정을 내리는 데 도움을 주기 위해 비개인화된 신용 데이터와 차량 등록 정보를 제공합니다. 새로운 AutoCreditInsight 빈티지 분석은 시장 대출 성과 추세에 대한 통찰력을 추가로 제공합니다.
대출자들은 변화하는 시장 역학에 적응하기 위해 인수 및 가격 책정 전략을 최적화하고, 딜러 관계를 관리하며, 포트폴리오 건강을 모니터링할 것을 권장합니다.
TransUnion (NYSE: TRU) a publié une nouvelle analyse lors de la conférence AFSA sur le financement des véhicules 2025 à La Nouvelle-Orléans, soulignant les défis auxquels les prêteurs devront faire face alors que les consommateurs réintègrent le marché automobile en 2025 avec des profils de crédit plus complexes. L'étude sur le pouls des consommateurs indique qu'un client sur quatre prévoit de demander de nouveaux prêts ou baux automobiles d'ici octobre 2025, avec 31 % signalant une situation financière meilleure que prévu en octobre 2024.
Les Millennials sont le groupe démographique le plus susceptible d'acheter un véhicule au début du premier trimestre 2025, 31 % montrant de l'intérêt, contre 21 % pour la génération Z. Cependant, seulement quatre Millennials sur dix estiment que leur situation financière s'est améliorée en 2024. Le rapport insiste sur l'importance pour les prêteurs d'utiliser des outils complets pour évaluer avec précision le risque des emprunteurs.
Les prévisions de crédit à la consommation 2025 de TransUnion prévoient une légère baisse des défauts de paiement automobile, selon les pratiques d'évaluation des risques approfondies des prêteurs. Des outils comme AutoCreditInsight, développés en collaboration avec S&P Global Mobility, offrent des données de crédit dépersonnalisées et des informations sur l'immatriculation des véhicules pour aider les prêteurs à prendre des décisions éclairées. La nouvelle analyse vintage d'AutoCreditInsight fournit également des informations sur les tendances de performance des prêts sur le marché.
Les prêteurs sont encouragés à optimiser leurs stratégies de souscription et de tarification, à gérer les relations avec les concessionnaires et à surveiller la santé de leur portefeuille pour s'adapter à l'évolution des dynamiques du marché.
TransUnion (NYSE: TRU) hat während der AFSA Fahrzeugfinanzierungskonferenz 2025 in New Orleans eine neue Analyse veröffentlicht, die die Herausforderungen hervorhebt, denen sich Kreditgeber gegenübersehen werden, wenn Verbraucher 2025 mit komplexeren Kreditprofilen in den Automarkt zurückkehren. Die Verbraucher-Puls-Studie zeigt, dass fast einer von vier Verbrauchern plant, bis Oktober 2025 neue Autokredite oder -leasings zu beantragen, wobei 31 % berichten, dass ihre finanzielle Lage im Oktober 2024 besser war als erwartet.
Millennials sind die demografische Gruppe, die am ehesten zu Beginn des ersten Quartals 2025 ein Fahrzeug kaufen will, wobei 31 % Interesse zeigen, im Vergleich zu 21 % der Generation Z. Allerdings empfinden nur vier von zehn Millennials, dass sich ihre finanzielle Situation im Jahr 2024 verbessert hat. Der Bericht betont die Bedeutung für Kreditgeber, umfassende Werkzeuge zur genauen Risikoeinschätzung von Kreditnehmern zu verwenden.
Die Verbraucher-Kreditprognose 2025 von TransUnion sagt einen leichten Rückgang der Autoverzuglatungen voraus, abhängig von den gründlichen Risikobewertungspraktiken der Kreditgeber. Werkzeuge wie AutoCreditInsight, die in Zusammenarbeit mit S&P Global Mobility entwickelt wurden, bieten depersonalisierten Kreditdaten und Fahrzeugregistrierungsinformationen, um den Kreditgebern zu helfen, informierte Entscheidungen zu treffen. Die neue AutoCreditInsight Vintage Analyse bietet außerdem Einblicke in die Trends der Kreditleistungsfähigkeit auf dem Markt.
Kreditgeber werden ermutigt, ihre Underwriting- und Preisstrategien zu optimieren, die Beziehungen zu Händlern zu verwalten und die Portfolio-Gesundheit zu überwachen, um sich an die sich entwickelnden Marktgegebenheiten anzupassen.
- TransUnion forecasts a decline in auto delinquencies in 2025.
- Millennials show strong interest in purchasing vehicles, with 31% likely to buy in early Q1 2025.
- New tools like AutoCreditInsight and its Vintage Analysis provide lenders with comprehensive data for better decision-making.
- Consumers reentering the auto market have more complicated credit profiles, posing challenges for lenders.
- Only four in ten Millennials felt their financial situation improved in 2024, indicating potential financial instability.
Insights
TransUnion's latest market analysis unveils a complex landscape in auto lending for 2025, marked by increased consumer interest but heightened risk assessment challenges. The data shows 24% of credit-seeking consumers targeting auto loans, with Millennials leading the charge at 31% purchase intent - a notable 10 percentage points higher than Gen Z.
The most striking aspect is the dichotomy between consumer sentiment and financial reality. While 31% of consumers report better-than-expected finances, this optimism requires careful scrutiny from lenders. The post-pandemic credit landscape has created unprecedented complexity in consumer credit profiles, making traditional risk assessment metrics potentially less reliable.
The market dynamics present a particularly nuanced situation for lenders. The anticipated decline in auto delinquencies for 2025 suggests potential market improvement, but this forecast heavily depends on lenders' ability to accurately assess risk. TransUnion's AutoCreditInsight tool addresses this challenge by combining depersonalized credit data with vehicle registration information, enabling more sophisticated risk assessment.
For investors and market watchers, these trends signal several key implications:
- Increased lending activity potential, particularly in the Millennial segment
- Higher demand for advanced credit assessment technologies
- Possible margin pressure as lenders balance growth with risk management
- Enhanced focus on portfolio health monitoring and loss forecasting
The evolving market conditions suggest a cautiously optimistic outlook for auto lending in 2025, but success will largely depend on lenders' ability to leverage advanced analytics and maintain stringent risk assessment practices.
TransUnion issues new analysis of auto market during AFSA Vehicle Finance Conference
NEW ORLEANS, Jan. 22, 2025 (GLOBE NEWSWIRE) -- Over the coming year, many consumers considering an auto loan or lease may be reentering the market with far more complicated credit pictures than they did, even just a few years ago. The findings come from a new analysis released today by TransUnion (NYSE: TRU) in conjunction with the 2025 AFSA Vehicle Finance Conference in New Orleans.
TransUnion’s recently released Consumer Pulse Study found that among consumers who said they’re planning to apply for new credit or refinance existing credit by Oct. 2025, nearly one in four intend to shop for a new auto loan or lease in that time period. The same survey showed that
“As the macroeconomy stabilizes and we begin to see a return to more typical economic patterns, consumers may return to a more manageable financial state, one which may lead many to re-engage with the auto market,” said Jason Laky, executive vice president and head of financial services at TransUnion. “However, given the unusual nature of the consumer economy during the pandemic era and the immediate years following, it’s going to be imperative that lenders use every tool at their disposal to ensure those consumers to whom they are lending are risk-appropriate and in a position to make continued payments.”
Millennials may be among the most active shoppers. TransUnion’s most recent Consumer Pulse revealed that this demographic group was the most likely to purchase an auto. Approximately
| Millennials are the Group Most Likely to Buy a Car in Early Q1 2025 | ||||||||
| Likelihood to Buy a Car/ Generation | Gen Z | Millennials | Gen X | Baby Boomers | ||||
| Very Likely | 7 | % | 15 | % | 7 | % | 5 | % |
| Somewhat Likely | 14 | % | 16 | % | 11 | % | 5 | % |
| Neither Likely Nor Unlikely | 20 | % | 17 | % | 14 | % | 7 | % |
| Somewhat Unlikely | 17 | % | 14 | % | 14 | % | 11 | % |
| Very Unlikely | 41 | % | 38 | % | 54 | % | 71 | % |
In that same Q4 2024 survey, only about four in 10 Millennials indicated that their finances were better than anticipated at the start of 2024. The paradigm mentioned above is not exclusive to Millennials, and it underscores the need for lenders to examine consumers more closely when assessing risk and to use all of the tools and resources they have access to when doing so.
“In TransUnion’s recently released 2025 Consumer Credit Forecast, we observed that auto delinquency is expected to tick down in 2025,” said Satyan Merchant, senior vice president and auto and mortgage business lead at TransUnion. “However, lenders play a critical role in helping realize that decline. One way is by ensuring that potential and existing borrowers are in a financial position to avoid these delinquencies. Lenders can utilize tools and resources that make it easier to get a comprehensive understanding of the market and its consumers and make informed, data-backed decisions.”
As they consider extending auto loans to customers in 2025, lenders must consider a wide range of critical factors such as:
- Their optimization of underwriting and pricing strategies
- Loan-to-value criteria, both their own and that of other lenders
- Market share and industry patterns within their target segment
- Managing dealer relationships and developing strategies to expand their networks
- Monitoring portfolio health and loss forecasting
One tool that can assist lenders in isolating these factors is AutoCreditInsightTM, powered by TransUnion in partnership with S&P Global Mobility. AutoCreditInsight delivers depersonalized credit data—such as risk tiers and original loan terms—paired with comprehensive, accurate and timely vehicle registration. Through its interactive user interface, lenders can create custom visualizations and perform detailed statistical queries, reporting and analysis to make more informed decisions faster.
In addition, the new AutoCreditInsight Vintage Analysis solution, an expansion of the existing AutoCreditInsight suite, combines vehicle, credit, and delinquency data to allow lenders to evaluate overall market loan performance trends and benchmark individual portfolio performance at the industry and peer group level.
“While it’s imperative that lenders are prepared for the potential increase in auto purchases, it’s equally important that consumers work to ensure that their credit profile is as buttoned up as possible to ensure a positive car buying experience,” continued Merchant. “This means being fully aware of what is on their credit reports, and making on-time payments on existing credit accounts.”
To learn more about how auto lenders can make informed, risk-appropriate decisions faster, click here.
For consumers who want to learn more about how to build the strongest possible credit profile in advance of purchasing a new or used auto, click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
http://www.transunion.com/business
| Contact | Dave Blumberg | |
| TransUnion | ||
| david.blumberg@transunion.com | ||
| Telephone | 312-972-6646 |
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