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Q1 stats show more than ever are opting for seven-year loans for new vehicles.
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Mixed February conditions still produce highest Cox index reading in more than two years.
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Central bank waiting to see what happens under Trump administration. Auto loan rates, meanwhile, are rising again.
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Greater credit access in November combines with falling delinquencies for more stable conditions.
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Q3 numbers show that the sector is moving toward normality.
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Conditions improved in October across the board, though some measures are still down from prepandemic levels, Cox says.
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Survey shows the segment is particularly vulnerable and is suffering the most losses.
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September numbers break streak of tightening while some borrowers walk a shaky line.
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New-vehicle loans out of reach for many as others take on marathon terms that could put them under water.
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