How to Increase Market Share as a Non-Captive Lender in 2026 and Beyond

This paper outlines three strategies that will matter to lenders who want to stay ahead:

• Lenders can differentiate through precision affordability design, including odd- term and flexible-term contracts that improve payments without weakening portfolio health.
• They can compete more effectively in electrification by adopting a segmented approach to EV residual value risk and by preparing for higher volumes of EV lease returns beginning in 2026.
• They can expand dealer relevance by filling market gaps where captives do not meet dealer or consumer needs, especially in used vehicles and underserved credit tiers.

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