Auto Credit Access Improves Again in July as Yield Spreads Narrow and Approval Rates Climb
In July 2026, the Dealertrack Credit Availability Index rose to 105, the highest level since November 2015. The All-Loans Index increased 0.5% from June’s 104.5 and is up 7% from July 2025. The monthly gain was driven primarily by a…
Credit Availability Index Hits 10-year High as Lenders, Consumers Take on More Risk
In June 2026, the Dealertrack Credit Availability Index rose to 104.6, its highest level in more than a decade. The All-Loans Index increased 0.9% from May’s 103.6, marking its fifth consecutive monthly increase, and a rise of 7.3% from June…
Auto Credit Availability Climbs in May as Approval Rates Improve, Yield Spreads Narrow
In May 2026, the Dealertrack Credit Availability Index rose to 103.7, its highest level since April 2022. The All-Loans Index increased 1.5% from April’s 102.2 and is up about 7.3% from May 2025. While the index posted one of its…
Auto Credit Availability Inches Higher in April, Despite Pullback in Subprime Lending
In April 2026, the Dealertrack Credit Availability Index rose to 102.4, its highest level since June 2022, though essentially unchanged from March’s revised-lower 102.3. The All-Loans Index increased just 0.1% from March and is up approximately 7.2% from April 2025.…
Access to Auto Credit Improved in March, as Increased Negative Equity and Growing Subprime Share Push Dealertrack Index Higher
In March 2026, the Dealertrack Credit Availability Index rose to 102.4, its best reading since June 2022. The All-Loans Index increased 1.3% from February’s 101.1 and is up over 6% from March 2025. Even as yield spreads widened, the month’s…
Access to Auto Credit in February Improves, Hits Three-Year High
In February 2026, the Dealertrack Credit Availability Index rose to 101.3, its best reading since June 2022. The All-Loans Index increased 1.5% from January’s 99.8 and is up nearly 6% from February 2025. Even as approval rates declined and yield…
January Auto Credit Access Holds Steady as Borrowing Costs Edge Higher
In January 2026, the Dealertrack Credit Availability Index held steady at 100.0, matching December’s level and remaining at its best reading since October 2022. The All-Loans Index was unchanged from December’s 100.0 but is up nearly 5% from January 2025.…
Auto Credit Access Hits Two-Year High in December; Dealertrack Index Posts 3.6% Gain for 2025
In December, the Dealertrack Credit Availability Index reached its highest point of 2025, climbing to 99.6 and marking the best level since October 2022 as credit access continued to improve. The All-Loans Index rose 90 basis points (bps) from November’s…
Auto Credit Access Reaches 2025 High in November
The Dealertrack Credit Availability Index reached its highest point of the year in November 2025, marking the best level since October 2022 as credit access continued to improve. The All-Loans Index rose to 99.1 in November, up 4% from November…
Dealertrack Index Signals Looser Auto Credit Despite Dip in Approval Rates
In October 2025, the Dealertrack Credit Availability Index resumed its upward trend of improved credit access after a slight tightening in the previous month. The All-Loans Index edged up to 98.3 in October from 97.9 in September, marking a 0.4-point…
Access to Auto Credit Little Changed in September
In September 2025, the Dealertrack Credit Availability Index resumed its upward trend of improved credit access after a slight tightening in the previous month. The All-Loans Index edged up to 98.1 in September from 97.9 in August, marking a 0.2-point…