Industry Trends

Insights modeled by LouieAuto — pre-launch, zero dealers today

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This Week's Highlights

Key Developments

  • Approval rates continue decline: BHPH hitting 10-year lows; dealers adapting with smarter lender routing
  • Software independence accelerating: 62% of mid-market dealers exploring alternatives to their incumbent DMS
  • AI adoption climbing fast: 18% of dealers now using AI tools; up from 3% in 2024
  • Digital lenders winning: Fast pre-qual + instant decisions = market share gains vs traditional processes
  • Consolidation continues: Large groups absorbing smaller dealers; unified tech becoming essential

More Research

2026 Auto Finance Report

Full report on BHPH crisis, franchise fragmentation, AI adoption, and market forecasts.

Modeled Lender Rankings

Modeled rankings of 42 lenders by approval rate, speed, and sentiment — not live dealer data.

Data API

Access research data programmatically. Lender rankings, trends, forecasts, and more.
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