Agile Auto Market Update

Market Conditions: Mixed Signals

CPI for September 2025 rose 3.0 % year-over-year beating expectations.
Fed cut rates reducing banks’ cost of borrowing overnight, but the impact will be slower for auto loans, credit cards, and personal loans.
Auto Financing: Loan rates continue to climb, averaging 9.6% for new and 14.24% for used.
Consumer Spending: growth slowed in October, as Sentiment is down 3.8% so far in October, with much of that resulting from the Govt. Shutdown in its 4^th week.

Retail & Operations: Retail sales and supply levels are stabilizing, and both new and used sales are picking up week by week.
Demand Resilience: Early October sales indicate signs of stabilization and continued consumer interest.
Lead Trends: Dealer leads show mixed performance — up year-over-year on some platforms (e.g., Autotrader), but down on others

Consumers and dealers alike should view this as early momentum toward normalization
The real benefit will come if future cuts continue and inflation remains in check
The lead is the potential customer. Leads are not a commodity any longer.
Every aged inventory owner is a buyer that gets more motivated as the rates drop.