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Greater credit access in November combines with falling delinquencies for more stable conditions.
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Late-year shopping charged by incentives, post-election certainty, and ample supply.
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November forecast sees benefits of high inventories, post-election certainty.
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Conditions improved in October across the board, though some measures are still down from prepandemic levels, Cox says.
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September numbers break streak of tightening while some borrowers walk a shaky line.
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Incentives and ample supply serving to keep sales healthy despite lingering inflation.
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Stabilized inventory and fatter incentives dovetail with big Fed rate cut to make buying conditions more favorable.
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Auto-focused lenders were the exception in August, when overall consumer confidence actually rose.
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July numbers reflect market volatility following weeks-long software shutdown following cyberattacks.
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Despite that and rising incentives, conditions still challenging for consumers.
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