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AUTO DEALERS

Automobile sales have been one of the key drivers of the U.S. economy for nearly a century. And one of the most important forces behind car sales is car financing.

According to a 2012 report by Experian, the total amount of outstanding car loans in the U.S. grew by $26.8 Billion from Q1 2011 to Q1 2012, a growth of only 4.19%. That may be low, but considering the near collapse of the entire American auto industry nearly four years ago, it a cause for optimism for many Americans.

 

When preparing to buy a new or used vehicle most consumers also prepare to finance that same purchase. Automobile lending is an important, if not often overlooked, part of buying a car. Sometimes consumers simply go to their own bank or, if they have less than perfect credit, maybe they go to a credit union or a finance company. But who are the top auto loan companies in the United States and which one is right for you?

 

According to the Experian report, “State of the Automotive Finance Market” for Q1 2012, most car buyers and car loan borrowers today prefer banks and credit unions for their car financing needs. Here are the market shares of the top automotive loan sources in Q1 2012:

 

  • Bank loans – 40.21%

  • Credit unions – 16.89%

  • Captive (manufacturer-financed) – 16.68%

  • Finance companies – 14.78%

  • “Buy Here Pay Here” (dealer-financed) – 11.44%

Regional and national banks issue their fair share of auto loans due to the sheer number of customers they have. Owning a significant amount of market share doesn’t necessarily mean they’re the best. However, many banks and credit unions are able to offer consistently competitive rates and terms on their auto loans – especially to good customers. There’s an extra reason for checking with a bank or credit union before going to dealerships. Walking into a dealership with approved car financing can strengthen the buyer’s position.

 

Getting a car loan at a dealership is certainly convenient, and savvy car shoppers may be able to secure better deals by using the dealer’s financing. Some dealers get a commission for arranging the financing on cars they sell. So in addition to the occasional low-rate incentive financing, some dealers may even give a break on the price of the car.

 

There are also automobile loan companies that specialize in just car financing. Auto loan companies can finance both used and new car purchases, as well as some car loan refinances. Many may also offer options for consumers with damaged credit and low down payment, as well as traditional loans for borrowers with pristine credit and hefty down payments.

 

Auto loan brokers are another player in the automobile finance industry. An automobile loan broker does not issue the loan itself but rather finds a competitive loan for a borrower from a selection of several loan companies.

 

Consumers do have many more options today for automobile financing. According to Experian, however, the top 20 auto loan providers accounted for nearly half of all car financing arranged in today. As of Q1 2012, the list of top 20 automotive finance sources was made up of the following providers:

 

  1. Ally Bank – 6.39% market share

  2. Wells Fargo – 5.71% market share

  3. Chase – 4.85% market share

  4. Toyota – 4.27% market share

  5. Capital One – 4.09% market share

  6. Ford – 3.41% market share

  7. Honda – 2.92% market share

  8. Bank of America – 2% market share

  9. Santander – 1.78% market share

  10. TD Auto – 1.67% market share

  11. Nissan Infiniti – 1.64% market share

  12. Fifth Third – 1.43% market share

  13. US Bank – 1.27% market share

  14. Americredit – 1.24% market share

  15. Credit Acceptance – 1.09% market share

  16. VW Credit – 1.06% market share

  17. BMW Bank – 0.96% market share

  18. Huntington – 0.94% market share

  19. PNC Bank – 0.88% market share

  20. RBS Citizens – 0.87% market share

If and as the automobile industry continues to recover and grow, the competition between these top auto loan sources (and others) will continue to heat up. That will actually be a good thing – for consumers.

 

The key for any car shopper, however, is to always shop around and compare. Many of these auto lenders post their interest rates online, though a quick phone call to a local branch may uncover special offers not posted on their websites. Most importantly, car shoppers should already have their car loan lined up before they step foot in any dealership. That pre-approval can be a powerful tool for leveraging lower sale prices and better dealership financing terms.

 

Now that you have enough details of the top finance companies, you can compare them & choose wisely when buying a vehicle for yourself.

Interested in "auto dealers"?

A car is an investment that is made with pride. While purchasing a car, we research for the best ones in the market, visit dealers and test drive several till we find the right one.Proper car care is very important to keep your vehicle running ideally in the coming years. Certain car parts should be cleaned and maintained regularly. Doing this will greatly extend the life expectancy of the car. Here are the car parts you should maintain frequently. This is essential for the safety of the passengers as well.TiresAll cars are completely dependent on their tires. They need to be inflated and in good condition at all times. Tire gauges are available at cheap prices. You can check the air levels in the tires frequently for the car to run smoothly. Using the vehicle when there is insufficient air in the tires can damage it. If there are signs of wear and tear, it is best to change the tire.OilWithout regular oil changes, no car engine can function for long. If there is too much noise from the engine, then it's time you check oil levels. When you give your car for servicing, they always check the oil levels. You can also ask for it to be checked when you fill fuel in your vehicle.Mirrors,

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