Hi auto dudes ...I am about ten minutes from a conference call with financial types overseas concerned about the US Auto markets ...(oh those people ) I would really appreciate any industry types who may be here tonight weighing in real quick ...you too Marv ...here are my questions

1. Have you noticed the captives buying deeper or about the same or less than normal ...i.e. pre november 2008)

2. Where are you sending the bulk of your financed deals??

what % would you say go to CUDL/Credit Unions?
what % are you sending to the usual auto finance banks like wachovia, chase etc.
has the closing of fireside bank hurt any one at all?

have you noticed a change in the % of cash buyers?? uop down or ??

have you noticed an appreciable change in credit quality ....
have you seen the impact of all of the foreclosures starting to appear on peoples bureaus?

is there auto credit out there for every buyer A-F?

Are you being stipped to death when you do get a deal hung?

and are your sales up down or about even with what they have been for the last 3 months ?

and anything else you have noticed ...please include your state or region and brand /or pre owned etc in your answer if you could also ...have you noticed a skewing of new/used sales numbers from what they were pre crisis?

hope this isn't a forbidden topic of anything marv ...just trying to get some last minute feed back from across the USA thanks!!!

and which do you use more ...dealertrack or route one? ...what % of your deals get tracked vs routed ? thank you again!!

Roadloans

ive been out of the business for years now but i hear not much bad paper is being bought even with cash down. definitely much much tighter than it was in july

i have had reports that even in "anything goes" florida the stip requirements are so onerous that if a dealer is willing to go through all of the hoops to get the deal funded you can be sure he launched you and you really better love that car because you will have a pretty tight grip on it when you drive iot off the lot ... as in the jaws of live won't be able to extricate you from that car for at least 80% of the term lol

im not sure now. the stips were onerous back in july but just typical stuff.. i would imagine these days they prolly want you to park the car at the bank at night lol

I'd be happy to assist the original poster if the poster has questions relating to their future auto finance/purchase.

You can probablyl find the answers to the questions you seek on industry specific forums.