2019 in review

Credit concerns, affordability and threats of a trade war didn't slow new-vehicle sales and F&I profitability in 2019 as many predicted. Yet experts such as Cheryl Miller, senior vice president and general manager for Dealertrack F&I and Titling Solutions, said a streak of negative automotive finance trends such as longer loan terms, higher levels of severe auto loan delinquencies and higher-than-normal interest rates helped shape 2019, presenting dealers and lenders some headwinds heading into a new year.