SFA Research Corner: Affordability Pressures and the New Selectivity in Auto Finance

The inaugural Auto Finance Capital Summit focused on how affordability pressures, shifting consumer behavior, and broader market uncertainty are influencing funding markets across auto finance. While participants generally viewed the market as resilient — with ABS issuance remaining active and investor demand still constructive and private markets as a liquidity strategy— conversations repeatedly returned to the growing importance of disciplined credit management and consistent execution are becoming increasingly important to funding access, pricing, and long-term performance.