As dealers look ahead to 2026, one thing is becoming clear. The deals that get done will matter more, and the margin for error on each one will be smaller. Affordability pressure is shrinking the buyer pool. Credit approvals remain tight. Lenders are selective. Delinquency levels remain elevated across the market. None of this points to easier transactions ahead. In this environment, payment certainty is no longer a back-office concern. It is part of protecting the deal itself.
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