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Auto Leasing, Loans & Sales Financing in the US Industry Data and Analysis
Auto leasing, loans and sales financing comprise establishments that provide sales financing or leasing in combination with sales financing for automobiles. During the period, growth in consumer spending drove demand for these services, while a rising prime rate increased the cost of (and therefore the revenue generated by) industry services, resulting in revenue growth. The industry experienced declines in revenue at the onset of the period as it faced depressed consumer demand and a lower prime rate due to the volatile economic environment. The industry returned to growth in the latter part of the period as access to credit, disposable income and consumer spending climbed, supporting demand for industry services.
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What's included in this industry analysis
IBISWorld's research coverage on the Auto Leasing, Loans & Sales Financing industry in the United States includes market sizing, forecasting, data and analysis from 2016-2031. The most recent publication was released February 2026.
About this industry
What's this industry report about?
The Auto Leasing, Loans & Sales Financing industry in the United States operates under the NAICS industry code 52222. This industry includes establishments that provide sales financing or leasing in combination with sales financing for automobiles. Sales financing establishments are primarily engaged in lending money for the purpose of providing collateralized goods through a contractual installment sales agreement, either directly from or through arrangements with dealers. Industry participants generate revenue through the interest and fees that are included in the installment payments of borrowers. Related terms covered in the Auto Leasing, Loans & Sales Financing industry in the United States include charge-off, balloon payment and lien notation.
What's included in this industry?
Products and services covered in Auto Leasing, Loans & Sales Financing industry in the United States include Credit card services, New and used vehicle leasing and New and used vehicle loans.
What companies are included in this industry?
Companies covered in the Auto Leasing, Loans & Sales Financing industry in the United States include General Motors Financial Company, Inc., Ford Motor Credit Co Llc and Ally Financial Inc.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Auto Leasing, Loans & Sales Financing industry in the United States.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Auto Leasing, Loans & Sales Financing industry in the United States.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Auto Leasing, Loans & Sales Financing industry in the United States.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Auto Leasing, Loans & Sales Financing industry in the United States. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Auto Leasing, Loans & Sales Financing industry in the United States. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Auto Leasing, Loans & Sales Financing industry in the United States. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Auto Leasing, Loans & Sales Financing industry in the United States. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Auto Leasing, Loans & Sales Financing industry in the United States.
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Frequently Asked Questions
What is the market size of the Auto Leasing, Loans & Sales Financing industry in the United States in 2026?
The market size of the Auto Leasing, Loans & Sales Financing industry in the United States is $175.4bn in 2026.
How many businesses are there in the Auto Leasing, Loans & Sales Financing industry in the United States in 2026?
There are 2,122 businesses in the Auto Leasing, Loans & Sales Financing industry in the United States, which has declined at a CAGR of 3.0 % between 2021 and 2026.
How may import tariffs affect the Auto Leasing, Loans & Sales Financing industry in the United States?
The Auto Leasing, Loans & Sales Financing industry in the United States is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Auto Leasing, Loans & Sales Financing industry in the United States?
The Auto Leasing, Loans & Sales Financing industry in the United States is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Auto Leasing, Loans & Sales Financing industry in the United States grown or declined over the past 5 years?
The market size of the Auto Leasing, Loans & Sales Financing industry in the United States has been growing at a CAGR of 2.4 % between 2021 and 2026.
What is the forecast growth of the Auto Leasing, Loans & Sales Financing industry in the United States over the next 5 years?
Over the next five years, the Auto Leasing, Loans & Sales Financing industry in the United States is expected to grow.
What are the biggest companies in the Auto Leasing, Loans & Sales Financing industry in the United States?
The biggest companies operating in the Auto Leasing, Loans & Sales Financing industry in the United States are General Motors Financial Company, Inc., Ford Motor Credit Co Llc and Ally Financial Inc.
What does the Auto Leasing, Loans & Sales Financing industry in the United States include?
Sales financing and Leasing in combination with sales financing are part of the Auto Leasing, Loans & Sales Financing industry in the United States.
Which companies have the highest market share in the Auto Leasing, Loans & Sales Financing industry in the United States?
The company holding the most market share in the Auto Leasing, Loans & Sales Financing industry in the United States is General Motors Financial Company, Inc..
How competitive is the Auto Leasing, Loans & Sales Financing industry in the United States?
The level of competition is high and steady in the Auto Leasing, Loans & Sales Financing industry in the United States.
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