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MFBI UK Retail Car Finance Market 2004
This report on the retail car finance market, published in August 2004, is a comprehensive analysis
of current trends in the retail market for car finance supplied by car dealers and by direct lenders
between 1999-2004, with forecasts to 2009.
The report concentrates on the retail finance market and therefore excludes the wholesale finance
market and the financing of company and business fleets. The report analyses all aspects of the
retail car finance market including market size and trends and the structure of car finance supply in
Britain. In addition to analysing the main elements of the market, the report also provides a
comprehensive analysis of the factors that influence market demand. These include developments
in the UK economy, demographic and car ownership trends, consumer credit and finance trends,
new and used car sales and legislation.
Market Background 1999-2004
The UK economy; demographic trends and car ownership; UK demand for cars; size and structure
of the car parc, scrappage rates and car parc size.
The Retail Car Finance Market 1999-2004
Market size and trends by value and volume; new and used car finance; POS and direct (loans) car
finance; POS product segmentation - new and used cars; market trends - voluntary terminations,
sub-prime finance; Pproduct trends - HP, PCPs, POS loans, personal leasing, personal loans,
Factors Influencing the Market
Vehicle taxation; Block Exemption Regulation; car replacement cycles; outright purchase and pay-
for-use; used car residual values; Iinterest rates and finance; rising demand for credit; rising house
prices; County Court judgements; finance legislation; Basel capital accord; EU money laundering
directive; FSA regulations.
The Finance Supply Structure 1999-2004
Vehicle manufacturer captive finance companies - Ford Credit, GMAC, Volkswagen Financial