Dealertrack’s Credit Availability Index inched up to 102.4 in April, but analysts say subprime borrowers’ share of the market fell “sharply” after a March surge. +

A growing approval rate helped the Dealertrack Credit Availability Index improve to 102.4 in March, its highest reading since June 2022 and a 6% year-over-year increase. +

Dealertrack's Credit Availability Index climbed to 101.3 in February, a 6% year-over-year improvement, despite a lower overall approval rate and a widening yield spread. +

Experian reports subprime borrowers accounted for 15.3% of U.S. auto finance originations in the fourth quarter, claiming their largest share of the market since 2021. +

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. +

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. +

Dealertrack’s Credit Availability Index increased to 98.3 last month, offering a counter to affordability concerns and continuing a trend toward loosening conditions that began more than a year ago. +

Despite tightening among captive finance companies, the Credit Availability Index was essentially flat on a month-to-month basis in September, ticking back up to July’s 98.1 mark after falling by 0.2% in August. +

Strong July sales reports were matched by a third consecutive month of improved credit access, according to Dealertrack’s latest Credit Availability Index, which climbed to 98.1. +