Automotive Finance and Fraud Research

Dealership fraud is evolving faster than traditional controls. The Experian Automotive Dealer Fraud Threat Report highlights how income, identity, and vehicle fraud are impacting profitability—and outlines where stronger verification and data-driven insights can help reduce risk while keeping deals moving.

This study offers a detailed analysis of current and emerging fraud trends in the automotive financing sector, and to improve industry understanding of auto fraud types, rates, and to examine effective prevention methods.

This whitepaper explores how Vehicle History Data can be used to significantly enhance consideration of loan defaults for collateral assessment and portfolio monitoring. Our extensive analysis of one million auto loans, spanning from 2018 to 2024, reveals the power of Vehicle History Data in improving collateral risk assessment models.

How is your business competing in today’s market? Access the latest Experian analysis to find out. Our review of the automotive finance market provides a detailed look into key trends, including average new loan amounts reaching a record high, nearly 19% of loan payments exceeding $1,000, and used loan amounts climbing to their highest level since 2022. The report also highlights how consumers saved over 2% by refinancing in Q4 2025, along with a deeper dive into the used car financing market.