Auto Lending Just Hit a Wall. Now What?
Auto affordability isn't a cycle this time. It's a new baseline.
In this episode, guest host Deepak Bhandari from Upstart sits down with Eric Earvin from First Commonwealth Bank and Michael Gilbert from Associated Bank, co-chairs of the CBA Auto Finance Committee, to talk about why it's time to stop waiting for costs to come back down and start rethinking how we lend.
Insurance up 14% year over year. Debt to income ratios squeezed from every direction. Consumers still buying, but shifting downstream.
And at some point the phone rings and they say here's the car.
Recorded at CBA Live 2026…
The skinny
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