IP InterviewPublished December 15, 2025
American Credit Acceptance: POS-Driven Subprime Auto Lending & Unit Economics
inpractise.com/articles/american-credit-acceptance-pos-driven-subprime-operations
Executive Bio
Former Head of a Specialty Finance Division at a U.S. Subprime Auto Lender
Summary
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Interview Transcript
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Let me ask you this another way. What would you at ACA require in terms of information to price a the loan? What do you require in terms of input from the dealer from the DMS, and what do you send back to him?
You're primarily concerned with information about the car itself, such as the make and model, the year, mileage, and the price relative to the down payment. One of the biggest drivers of all of this is the loan-to-value (LTV) ratio. You're trying to keep the LTV relatively low. The used car market is almost always over 100% anyway. You want to understand the vehicle itself.
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