Getting Risk-Based Pricing Right in Today’s Auto Lending Market
April 23, 2026 | 1 PM ET | Free Live Webinar
The most important pricing challenge for U.S. auto lenders today is simple to state but difficult to solve: how to price risk accurately while keeping auto loans affordable in a market shaped by high interest rate and high vehicle prices. As vehicle costs rise and borrowers face increasing payment pressure, lenders must ensure their pricing strategies:
- Reflect true credit risk
- Don’t push monthly payments beyond what consumers can afford
- Maintain targeted spread and margin
- Don’t undermine lenders’ competitive advantage.
Traditional pricing approaches built around static rate sheets and broad credit tiers often lack the precision needed to navigate today’s market dynamics. Lenders need more sophisticated capabilities to understand borrower risk, evaluate pricing trade-offs, and respond quickly to changing economic conditions.
In this webinar, we will explore how Earnix— the leader in pricing analytics, pricing optimization, scenario simulation, and digital decisioning—helps auto lenders modernize risk-based pricing.
Featuring: Will Ely, Manager of Solutions Consulting at Earnix
Key Points:
- Advanced analytics and price optimization capabilities;
- Moving beyond coarse segmentation to more granular, data-driven pricing strategies;
- Scenario simulation and testing;
- Execution of new pricing strategies across dealer, digital, and direct lending channels.
Join us to learn how leading auto lenders are using advanced analytics to price risk more accurately, maintain competitive and affordable loan offers, and confidently navigate today’s challenging auto finance market.