12-11-2025 Auto Market Report
Economy:
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Fed cut rates again this week 25 basis points for a 75-basis point drop since September.
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Gasoline fell below 3 dollars per gallon for the first time in 4 years, as of December 5, down 2 % YoY
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Consumer Sentiment fell early Nov but rose 4.5 percent late November to 53.3 still rising in Dec.
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One year inflation expectations declined to lowest level since January
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Initial jobless claims fell in Nov and is the lowest since the fourth quarter of 2022.
Automotive
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MMR rose 1.3% increase in November’s wholesale used-vehicle prices (adjusted for mix, mileage, and seasonality) compared to October
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Non-adjusted wholesale vehicle prices fell 0.3% from October and are now flat year over but expect prices to rise moving into the new year and tax season.
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The New Car average listing prices steady at $49,422, up 1.4% year over year and 0.6% above the start-of-November
Key Takeaways regarding the latest rate cuts:
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The Feds signaled a cautious path ahead which usually means uneven lender repricing.
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That could change on a dime with a new Fed Chair next year. May
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Dealers could see floorplan relief hit faster than retail APR relief
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Prime customers should get competitive bump but subprime likely stays tight.
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The next 30 days, it will be wise to focus on age units and shop your lenders harder and faster.
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