FactorTrust- Auto Loan Application vs Consumer Loan Application Info 072015
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The document compares non-prime auto loan applicants to consumer loan applicants. It finds that average monthly income is higher for auto applicants at $3,287 compared to $2,937 for consumer applicants. Both applicant groups are most commonly employed in retail. Auto applicants are more likely to have changed addresses recently while consumer applicants are more likely to have changed phone numbers. The auto segment has more millennial applicants while the consumer loan segment has more Gen X applicants.
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Financing Energy Efficiency: Overview and Lessons (Aceee presentation)
FactorTrust- Auto Loan Application vs Consumer Loan Application Info 072015
- 1. THE FACTORTRUST UNDERBANKED INDEX: NON-PRIME AUTO APPLICANTS VS. CONSUMER LOAN APPLICANTS AVERAGE MONTHLY INCOME EMPLOYMENT AUTO RANKING: CONSUMER LOAN RANKING: BOTH AUTO AND CONSUMER LOAN APPLICANTS ARE MOST LIKELY TO BE EMPLOYED IN THE RETAIL SEGMENT. AUTO APPLICANTS ARE MORE LIKELY TO HAVE CHANGED ADDRESSES, WHILE CONSUMER LOAN APPLICANTS ARE MORE LIKELY TO HAVE CHANGED PHONE NUMBERS SINCE LAST YEAR. NON-PRIME AUTO APPLICANTS GENERATE HIGHER INCOMES THAN CONSUMER LOAN APPLICANTS CONSUMER LOAN APPLICANTS AVERAGE MONTHLY INCOME: $2,937 NON-PRIME AUTO APPLICANTS AVERAGE MONTHLY INCOME $3,287 MILLENNIAL AUTO APPLICANTS HAVE MONTHLY INCOMES COMPARABLE TO BABY BOOMER CONSUMER LOAN APPLICANTS $2,500 $2,700 $2,900 $3,100 $3,300 $3,500 MILLENNIALS GENERATION X-ERS BABY BOOMERS AUTO APPLICANTS CONSUMER LOAN APPLICANTS ADDRESS CHANGE BY AGE PHONE NUMBER CHANGE BY AGE MILLENNIALS GENERATION X-ERS BABY BOOMERS 0% 5% 10% 15% 0% 5% 10% 15% MILLENNIALS GENERATION X-ERS BABY BOOMERS AUTO APPLICANTS CONSUMER LOAN APPLICANTS AUTO APPLICANTS CONSUMER LOAN APPLICANTS 4) SHIPPING & DELIVERY 5) SELF-EMPLOYED 6) AUTO SERVICES 7) BANKING/FINANCE 8) MANUFACTURING 9) BUSINESS SERVICES 10) HEALTHCARE 1) RETAIL 2) GOVERNMENT 3) QUICK SERVICE RESTAURANTS $2,987 $2,615 $3,593 $3,149 $3,377 $3,067 11% 6% 6% 4% 4% 8% 11% 8% 12% 9% 10% 10% THE AUTO SEGMENT IS PRIMARILY MADE UP OF MILLENNIALS, BUT THE CONSUMER LOAN SEGMENT PRIMARILY CONSISTS OF GEN X-ERS. AGE 10% 20% 30% 40% 50% MILLENNIALS GENERATION X-ERS BABY BOOMERS NON-PRIME AUTO APPLICANTS CONSUMER LOAN APPLICANTS 9% OF AUTO APPLICANTS HAVE CHANGED ADDRESSES SINCE LAST YEAR. 5% OF CONSUMER LOAN APPLICANTS HAVE CHANGED ADDRESSES SINCE LAST YEAR. 43% 36% 37% 40% 17% 21% CONSUMER STABILITY 9% OF AUTO APPLICANTS HAVE CHANGED PHONE NUMBERS SINCE LAST YEAR. 11% OF CONSUMER LOAN APPLICANTS HAVE CHANGED PHONE NUMBERS SINCE LAST YEAR. 4) GOVERNMENT 5) BANKING/FINANCE 6) BUSINESS SERVICES 7) HEALTHCARE 8) SELF-EMPLOYED 9) AUTO SERVICES 10) MANUFACTURING 1) RETAIL 2) QUICK SERVICE RESTAURANTS 3) SHIPPING & DELIVERY THE MILLENNIAL GENERATION IS COMPRISED OF THOSE BETWEEN THE AGES OF 18 AND 34; THE GENERATION X POPULATION IS MADE UP OF THOSE BETWEEN 35 AND 50, AND BABY BOOMERS ARE BETWEEN AGES 51 AND 69.