The auto loan market is in for a rollercoaster ride. We asked 3 industry experts about the ups and downs to come.

Merchant: It’s also a time where even for [lenders], things are not controllable that make the affordability challenging for those consumers. So, a consumer may be on the low end of the risk spectrum, looking to finance a used vehicle. And it may not even necessarily be the lender tightening their credit box as much as it is the only available used vehicle in that market might be out of the price range.