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In a world where financial barriers are on the rise due to high interest rates and persistent inflation, accessing credit has become a challenge for many Americans. Nearly half of those who applied for a loan in the past year faced rejection*, while delinquency rates for products like unsecured personal loans and auto loans remain elevated.
While many lenders are shifting their focus to less risky borrowers, the impending surge** in consumer demand for personal and car loans could catch them off guard, stifling growth opportunities.
So, how can lenders navigate the complex landscape of declining loan affordability without exposing themselves to excessive risk while fueling healthy growth?
To explore this topic further, view this webcast on-demand presented by Earnix, a leader in AI-driven pricing analytics for the financial sector.
What you will learn about:
Optimizing prices by predicting the impact of rate changes on demand and volume
Personalizing loan offers to deliver the best acceptable outcomes for consumers
Utilizing alternative deal structures to improve consumer affordability and approval rates
Using scenario simulation to find a balance between risk and volume
Predicting affordability to help lenders (and consumers) make more informed decisions
Aligning the granularity and analytical sophistication of your credit risk strategy with your pricing capabilities
*Bankrate's 2025 Credit Denials Survey
** TransUnion Q1 2025 Credit Industry Insights Report