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2025 Auto Finance Benchmark Report
Smarter. Faster. Funded.
New data from over 100 dealership leaders reveals the biggest financing challenges of the year and how top-performing teams are solving them.
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What Does 2025 Look Like for Dealerships?
High interest rates, affordability concerns, and tariffs are reshaping the finance conversation at dealerships across the country. From income verification delays to rehash headaches, the process is slowing down, and buyers are feeling it. But forward-thinking dealers are turning challenges into opportunity.
This report reveals what dealership leaders nationwide are doing to streamline financing, improve close rates, and future-proof profitability.
Top Insights From the 2025 Report
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What’s Inside the Report
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The biggest economic and operational challenges facing dealers in 2025 and beyond
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The link between financing speed and profitability
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Dealers’ sales outlook for the back half of 2025 heading into 2026
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How long financing really takes and why it still lags
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What emerging technologies dealers are exploring in the years ahead
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How GMs and F&I leaders are improving the customer experience
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Top financing pain points
Who We Heard From
The 2025 report is based on responses from 102 dealership professionals across the U.S.
These insights offer a snapshot of how teams on the front lines are adapting to today’s financing landscape.

Who we heard form

Smarter, Faster Financing
Upstart Auto Finance helps dealerships increase profitability by closing more deals with:
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Instant AI-powered credit decisioning
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More flexible financing options
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Minimal stipulations
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Fast e-contracting and funding
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High conversion rates for full spectrum car buyers