"Drive to Success: Mastering Auto Finance" is a podcast that delves into the complexities of the auto finance industry, offering listeners expert insights and practical advice on loan options and vehicle refinancing. Each episode equips car buyers with the knowledge to navigate their financing decisions wisely, ensuring they achieve the best possible outcomes in their auto purchasing experiences.
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Repossession And Auto Finance Podcasts
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Decoding the Price Tags - Understanding Vehicle Valuation Guides
34:23
34:23
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34:23Discover the secrets behind vehicle pricing in this Season 5 premiere of Drive To Success: Mastering Auto Finance! Host John Lewis breaks down the critical differences between wholesale and retail auto pricing, then dives deep into the three major vehicle valuation guides every automotive professional needs to know: Black Book, Kelley Blue Book (KB…
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The Tricolor Holdings Collapse - The No-Show That Changed Everything
37:08
37:08
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37:08Tricolor executives failed to appear at today's Section 341 creditor meeting—a stunning development that's reshaping this massive fraud case. In this urgent episode of Drive To Success, host John Lewis delivers breaking news coverage and an analysis of what happened in Dallas federal bankruptcy court. More than 150 participants joined the meeting, …
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In this eye-opening episode, John Lewis tackles one of the most controversial practices in automotive retail: spot delivery, also known as "yo-yo financing." Whether you're a dealer trying to navigate compliance, a finance manager protecting your business, or simply curious about automotive finance practices, this episode delivers critical insights…
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Crossing the Generational Divide Approach To Auto Financing
15:57
15:57
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15:57n this episode of Drive To Success: Mastering Auto Finance, host John Lewis explores the fascinating generational divide in auto financing preferences. From Gen Z's digital-first approach to Millennials' value-conscious optimization and Gen X's relationship-focused strategies, each generation brings unique expectations to the car-buying process. Le…
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Welcome to another episode of "Drive To Success: Mastering Auto Finance" with your host, John Lewis. In this essential episode for auto finance professionals, we dive deep into the challenging world of state-by-state repossession laws and the complex compliance maze they create for lenders operating across multiple states. John breaks down the most…
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The Blockchain Revolution - How Distributed Ledger Technology Is Transforming Auto Title and Loan Verification
20:20
20:20
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20:20California has put 42 million car titles on blockchain – and this is just the beginning. In this solo episode, host John Lewis explores how blockchain technology is transforming auto title and loan verification, transitioning from an experimental concept to a live implementation. Starting with California's groundbreaking blockchain title system, Jo…
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Right to Repair Revolution - How Legislative Changes Are Reshaping Vehicle Values and Loan Risk
23:17
23:17
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23:17What if a simple legislative change could increase your vehicle portfolio's residual values by 10-15%? In this updated solo episode, host John Lewis delves into the rapidly evolving Right to Repair movement and its significant implications for the auto finance industry. Starting with a real-world story of a $12,000 Tesla repair (with some repairs n…
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By John Lewis
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100 Billion Auto Dealership Buy-Sell Boom
17:18
17:18
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17:18In this episode of Drive to Success: Mastering Auto Finance, host John Lewis breaks down the record-breaking world of dealership mergers and acquisitions. With 510 completed transactions in 2024 and a 258% increase in dealers seeking to sell, we explore the critical concept of Blue-Sky valuation and why it's driving unprecedented dealership values.…
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Why Every Driver Should Know About NHTSA and Vehicle Recalls
21:34
21:34
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21:34In this comprehensive episode of Drive to Success: Mastering Auto Finance, host John Lewis provides an in-depth exploration of NHTSA's role in vehicle safety, detailed recall statistics, advanced recall management strategies, and the financial implications of vehicle recalls. Whether you're a consumer, a finance professional, or an automotive indus…
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How Lemon Laws Are Reshaping Auto Lending
11:15
11:15
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11:15In this episode of Drive to Success: Mastering Auto Finance, we pull back the curtain on one of the most overlooked risks in the $1.4 trillion auto loan market: lemon laws. What happens when a brand-new car turns out to be a mechanical disaster—and the law forces a buyback? Spoiler alert: it’s not just the automaker who pays the price. Captive fina…
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Record-High Car Payments & 84-Month Loans
11:36
11:36
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11:36In this eye-opening episode of Drive to Success: Mastering Auto Finance, host John Lewis unpacks the alarming financial reality facing today’s car buyers. With 1 in 5 Americans now paying over $1,000 a month for a new car and record numbers of 84-month loans, the traditional model of auto ownership is being stretched to the breaking point. John exp…
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What is SAAR? and Why It Matters in Auto Finance.
10:48
10:48
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10:48In this episode of Drive to Success, host John Lewis breaks down a vital yet often misunderstood metric in the automotive and lending industries — SAAR, or the Seasonally Adjusted Annual Rate. You'll learn: What SAAR is and how it’s calculated Why it plays a critical role in auto lending strategies How credit analysts, lenders, and dealers use SAAR…
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The Power of Emotional Intelligence and Team Synergy in Auto Finance
13:30
13:30
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13:30In this episode of Drive To Success: Mastering Auto Finance, we dive into the transformational power of emotional intelligence (EI) and how it drives team synergy across departments like inside and outside sales, retail credit, funding, risk management, and leadership. Learn why EI is essential for building stronger communication, fostering collabo…
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The Interplay Between Credit Decisioning and Auto-Backed Securities
10:54
10:54
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10:54In this episode of Drive To Success: Mastering Auto Finance, we explore the critical connection between credit decisioning and auto-backed securities (ABS). Host [Your Name] dives deep into how credit analysts' decisions—such as rate shaves and rate exceptions—impact the cost of funds for auto loan portfolios and the performance of ABS. Learn how t…
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Unlocking the Power of E-Contracting in Your Dealership
11:43
11:43
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11:43In this episode of Drive To Success: Mastering Auto Finance, we explore the transformative power of e-contracting and how it’s reshaping the future of auto dealerships. We dive deep into the benefits of digital finance processes, from faster funding and improved accuracy to enhanced customer experiences and operational efficiency. Learn about the k…
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In this inspiring episode of Drive To Success: Mastering Auto Finance, we explore how Senior Credit Analysts can transform their performance and influence using the power of knowledge management. From navigating complex decisions in Defi-Solutions to turning instinct into documented insight, this episode introduces four essential tools—Decision Mem…
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How KPIs and Feedback Loops Empower Credit Analysts
11:24
11:24
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11:24In this transformative episode of Drive To Success: Mastering Auto Finance, we dive deep into how Key Performance Indicators (KPIs) — when paired with powerful feedback loops — can unlock next-level performance for credit analysts. Learn how to go beyond data dashboards and use KPIs as strategic tools to improve underwriting accuracy, manage risk, …
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In this episode of Drive To Success: Mastering Auto Finance, we dive deep into the transformative power of expert consulting and coaching in auto finance. From training inside sales teams and dealer relationship managers to educating F&I and sales managers, learn how a strategic approach can unlock new growth across franchise and independent dealer…
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What Happens to New Vehicles That Don’t Sell?
9:38
9:38
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9:38In this episode of Drive To Success: Mastering Auto Finance, we pull back the curtain on a topic most car buyers and even some dealership pros rarely think about: what happens when brand-new vehicles sit unsold on the lot? From floor plan financing and grace periods to shrinking profit margins and auction losses, we break down the real financial im…
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Leveraging a Customer Data Platform for Dealership and Captive Lender Success
11:27
11:27
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11:27In this episode of Drive To Success: Mastering Auto Finance, we explore how a Customer Data Platform (CDP) can revolutionize auto dealerships and captive lenders by centralizing customer insights and improving decision-making. Learn how AI-driven analytics can enhance lead conversion, optimize inventory management, streamline loan approvals, and cr…
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AI in Credit Analysis – The Future of Smarter Lending
9:56
9:56
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9:56Artificial Intelligence (AI) transforms the way lenders assess creditworthiness, approve loans, and manage risk. In this episode of Drive to Success: Mastering Auto Finance, we explore how AI in credit analysis enhances efficiency, accuracy, and decision-making in auto finance. Learn how AI-driven underwriting, machine learning in lending, and auto…
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The Power of Automotive Data: How Industry Giants Shape the Market
9:45
9:45
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9:45In this episode of Drive To Success: Mastering Auto Finance, we explore how Edmunds, J.D. Power, Experian Automotive, and Cox Automotive shape the car buying, auto financing, and dealership operations landscape. These industry giants provide critical automotive market data, impacting vehicle pricing, consumer trends, credit risk analysis, and deale…
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Mastering Auto Finance for Business Owners
12:29
12:29
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12:29In this episode of Drive To Success: Mastering Auto Finance, we break down the essential steps for self-employed sole proprietors, LLCs, and C-Corporations to qualify for auto financing. Learn how business credit scores like the Dun & Bradstreet Paydex Score and Experian Business Score impact approvals, what financial documents lenders require, and…
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In this episode of Drive To Success: Mastering Auto Finance, we take a deep dive into auto fleet sales—what they are, who benefits from them, and the best financing strategies available. Whether you’re a small business owner, a corporate fleet manager, or a dealership looking to expand, understanding fleet sales can help you make smarter financial …
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Exploring Buy Here Pay Here Dealerships and Their Role in Auto Financing
12:55
12:55
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12:55In this episode of Drive To Success: Mastering Auto Finance, we take an in-depth look at Buy Here Pay Here (BHPH) dealerships and how they shape the auto financing landscape. Discover how BHPH dealers serve high-risk customers with in-house financing, the impact of this model on credit-challenged buyers, and the financial risks and rewards for deal…
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The Importance of Auto Insurance Coverage When Buying a Vehicle
12:30
12:30
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12:30In this episode of Drive To Success: Mastering Auto Finance, we take a deep dive into the importance of auto insurance when purchasing a new or used vehicle. We discuss why insurance is essential, how insurers calculate rates, and the factors that influence your premium. Plus, we break down the average insurance costs for sedans, SUVs, trucks, vans…
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The Hidden Truths Behind Date of First Use, GAP Insurance, and Over Allowance
10:07
10:07
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10:07In this episode of Drive To Success: Mastering Auto Finance, we break down three key auto finance concepts that can impact your car purchase or lease: Date of First Use, GAP Insurance, and Over Allowance. Learn how the Date of First Use affects your vehicle’s warranty, whether GAP insurance is a smart investment or an unnecessary expense, and how d…
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In this episode of Drive To Success: Mastering Auto Finance, we take a deep dive into the world of remarketing, a critical but often overlooked aspect of auto finance. From lease returns and repossessions to dealer auctions and direct-to-consumer sales, we break down how vehicles are resold to maximize value and minimize losses. Learn how captive l…
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Unlocking the Secrets of a CARFAX Report & Spotting Title Washing
10:27
10:27
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10:27Thinking about buying a used car? Don’t get stuck with a salvage title or hidden damage! In this episode of Drive To Success: Mastering Auto Finance, we break down how to read, review, and understand a CARFAX report to uncover a vehicle’s true history. We’ll also expose title washing, a deceptive practice where scammers erase a car’s accident histo…
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Floorplanning for Auto Dealers: The Pros, Cons, and Key Players
16:09
16:09
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16:09In this episode of Drive To Success: Mastering Auto Finance, we take a deep dive into floorplanning for auto dealers—what it is, how it works, and why it’s a game-changer for managing inventory and cash flow. We’ll cover the advantages and disadvantages of floorplan financing, key requirements to qualify, and the top floorplan lenders in the indust…
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"Rebounding After Financial Setbacks: Navigating Auto Financing After Repossession and Bankruptcy"
11:50
11:50
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11:50In this episode of Drive To Success: Mastering Auto Finance, we tackle one of the most challenging financial situations many people face—recovering from repossession and bankruptcy. Divided into six actionable segments, we explore: The differences between voluntary and involuntary repossession. Proactive strategies to avoid repossession before it h…
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"The Power Duo: OEMs and Captive Lenders in the Automotive Industry"
13:11
13:11
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13:11In this episode of Drive to Success: Mastering Auto Finance, we take a deep dive into the critical relationship between Original Equipment Manufacturers (OEMs) and their captive lenders. Discover how this partnership shapes the automotive industry by boosting vehicle sales, providing seamless financing options, and fostering customer loyalty. We’ll…
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In this episode of Drive To Success: Mastering Auto Finance, we explore the ins and outs of auto loan refinancing and how it can help you save money, lower your monthly payments, or pay off your car sooner. Learn about top refinancing options from major lenders like LightStream, Bank of America, and Capital One, along with member-focused solutions …
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"Unlocking Credit Score Tiers: How Auto Lenders Set Your Loan Rates and Terms"
16:41
16:41
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16:41In this episode of Drive to Success: Mastering Auto Finance, we’re diving into the fascinating world of credit score tiers and how they directly impact your auto financing options. Discover how lenders categorize credit scores into tiers—like excellent, good, fair, and poor—and use them to determine your loan's interest rates, terms, and even down …
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: The Hidden Costs of Car Ownership: Understanding Vehicle Valuation, Depreciation, and Financing
13:18
13:18
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13:18In this episode of Drive To Success: Mastering Auto Finance, we dive into the hidden costs of vehicle ownership and explore how understanding vehicle valuation and depreciation can save you money. Learn why cars lose value over time, how depreciation impacts your wallet, and why the loan-to-value (LTV) ratio is crucial when financing a vehicle. We’…
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Unmasking Synthetic Fraud in Auto Finance: Prevention and Solutions
14:06
14:06
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14:06In this episode of Drive to Success: Mastering Auto Finance, we tackle the growing threat of synthetic fraud—a sophisticated form of identity fraud that’s costing auto lenders millions. Learn how fraudsters create fake identities, why these schemes are so difficult to detect, and the real impact on the auto finance industry. We also explore the cut…
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"Strengthening the Auto Finance Funding Process: Fraud Detection and Verification Tools"
19:52
19:52
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19:52In this episode of Drive to Success: Mastering Auto Finance, we explore how auto lenders can strengthen their funding processes with advanced fraud detection and verification tools. We dive into the critical role of platforms like LexisNexis Accurint, Point Predictive’s Auto Fraud Manager™, and The Work Number by Equifax. Learn how these tools help…
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Income Verification and Fraud Detection for Auto Loans
16:36
16:36
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16:36In this episode of "Drive to Success: Mastering Auto Finance," we take a deep dive into the income verification process that lenders use to qualify applicants for auto loans. We’ll discuss the various types of income that are considered, how each type is calculated, and what documents are needed for verification. Plus, we’ll explain how non-taxable…
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How the 5-Year Treasury Rate Affects Auto Loan Rates
11:04
11:04
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11:04In this episode of Drive to Success: Mastering Auto Finance, we’re uncovering the mystery behind the 5-year Treasury rate and its impact on auto loan rates. Join John Lewis as he break down how lenders use Treasury yields to set interest rates for car loans, and what factors—like inflation and Federal Reserve policies—drive these changes. Whether y…
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"The Rise of Electric Vehicles: History, Infrastructure, and the Road Ahead"
17:16
17:16
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17:16In this episode of Drive to Success: Mastering Auto Finance, we explore the fascinating journey of electric vehicles (EVs)—from their origins in the 19th century, to their early demise, and the modern resurgence that’s transforming the automotive industry. We break down the different types of EV chargers, their pros and cons, and the companies lead…
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Navigating the Regulatory Landscape in Auto Finance
13:23
13:23
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13:23In this episode of Drive to Success: Mastering Auto Finance, John Lewis breaks down the complex world of auto finance regulations to help you navigate the car-buying process with confidence. Key consumer protections enforced by the Consumer Financial Protection Bureau (CFPB) in regulating auto dealerships, this episode covers the essential rules yo…
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Understanding The Fundamentals of Auto Finance
12:16
12:16
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12:16Welcome to the first episode of "Drive to Success: Mastering Auto Finance," where we embark on a journey to unravel the complexities of the auto financing world. Whether you're a first-time car buyer or looking to refine your knowledge about auto loans, this episode lays the groundwork for making informed decisions that align with your financial go…
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