11-13-2025 Auto Market Report
Overall Market Conditions
- Retail auto sales remain stable despite softer consumer sentiment and slowing overall spending.
- Financing conditions improved, helping support affordability and sustain demand.
- Labor market shows continued resilience, with unemployment claims trending down.
Consumer & Economic Indicators
- Consumer spending growth turned negative in October, signaling increased market caution and reduced discretionary purchases.
- Continuing unemployment claims fell to 1.93M, indicating strong job market fundamentals.
- Consumer sentiment declined for the second consecutive month (down 3.3% in September and 3.4% in October), potentially impacting future auto demand.
Auto Retail Performance
- Retail sales stabilized in October with slight upward trends in both new and used markets.
- Vehicle supply stabilized for new and used-vehicle supply dipped slightly
Financing & Affordability
- Low APR financing options expanded in early November, boosting consumer access to better terms.
- Auto loan rates Finally declined used rates were down 54 bps and new rates down 19 bps.
Pricing Trends
- Retail used pricing remains stronger than wholesale, suggesting stable consumer demand.
- Model year 2022 retail prices dipped only 0.3% last week, indicating modest price softening without major declines.
Summary:
- The overall economy is showing signs of cooling as consumer spending and sentiment decline, though the labor market remains strong with falling unemployment claims. Despite softer economic signals, retail auto sales and vehicle supply remain stable. Improving financing conditions and easing loan rates are helping support affordability, while used retail pricing continues to hold firm with only minimal softening.
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