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Distribution of vehicle loan sources in the United States from 2020 to 2025

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Source

Release date

August 2025

Region

United States

Survey time period

2020 to 2025

Special properties

Figures as of the second quarter of each year.

Citation formats

Distribution of vehicle loans in the U.S. 2020-2025, by lender type

Published by ÌÇÐÄÆƽâ°æ Research Department, Sep 1, 2025

Car loans granted by banks constituted nearly percent of all automobile financing in the United States in the second quarter of 2025. That was a higher value than in the second quarters of 2024 and 2023. Captive finance, which refers to subsidiaries of car manufacturers or dealers that finance the purchase of cars, and credit unions had a market share of and percent, respectively. Finally, buy here, pay here (BHPH) and other types of lending had the smallest market share. In BHPH, the car dealer where the vehicle is bought, also lends money to the client.

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Statistics on " Car financing and leasing in the United States "

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Topics

Car financing and leasing in the U.S.Automotive industry in the United StatesCar brands in the United StatesMotor insurance in the United StatesAutomotive advertising in the U.S.
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