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Lenders turn to PTI amid affordability concerns 

Non-Prime Auto Financing Conference 2024 

James Van BramerbyJames Van Bramer
June 11, 2024
in Risk Management
Reading Time: 3 mins read
2

Lenders have started looking more at payment-to-income ratios when making credit decisions as affordability remains a challenge, especially in nonprime lending.   The average first-quarter 2024 new-vehicle monthly payment was $735, according to Edmunds, as payments have held steady in the $730 range for more than a year. . Meanwhile, insurance costs continue to increase, […]

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