They're not allowed to make misrepresentations about a car's price, and they must give buyers clear monthly payment information. Effective July 30, 2024, dealerships also cannot charge for add-ons that don't offer an actual benefit, based on the FTC’s Combating Auto Retail Scams Trade Regulation Rule [4]. These protections may help consumers, but only to a point.Yet, car dealerships do have to follow certain rules.In a 2024 survey by KPA [2], 76% of Americans said they don't trust car dealerships to be hone ...

Getting out of debt can be challenging and complex. Short of making minimum payments to chip away at your credit card bills or earning extra money through a side gig, just how do you avoid the dreaded debt collector? Be Aware: Key Signs Your Credit Card Is Quietly Wrecking Your Finances Up Next: 7 Ways To Tell If You're Rich or Middle Class -- It's More Than Your Paycheck Dealing with debt is different for everyone, but the second step in Dave Ramsey’s debt management plan is one approach to getting out f ...

贷款业务增长 - 平台贷款发放量同比增长89%至21亿美元，其中个人贷款增长83% [1][2][3] - 超级优质借款人占比提升至32%，平均贷款金额从8580美元增至8865美元 [1][8] - 汽车贷款平台发放量环比增长42%，房屋净值信贷额度(HELOC)发放量同比增长超6倍 [6] 自动化与AI技术应用 - 92%的贷款通过AI驱动流程自动化完成，无人工干预 [3] - 公司引入嵌入算法优化个人贷款风控模型，提升预测准确性和决策效率 [5] - 第一季度自动化处理90%的困难申请，债务和解接受率因还款期限延长提升50% [7] 财务表现与市场反应 - 营收同比增长67%，但贡献利润率从60%以上降至55% [1][4][8] - 股价在财报公布后盘后下跌超18%，此前一个月累计上涨35% [1][4] - 公司预计当前季度营收2.25亿美元，同比增幅约75% [10] 业务扩展与运营优化 - 短期贷款吸引新客户，占当季新增借款人的16% [6] - 通过自动化处理支付失败等常规任务，释放人力资源用于高价值工作 [7] - 直接催收措施对降低违约风险产生显著效果 [7] 宏观经济影响 - 管理层认为当前宏观经济对信贷表现影响有限，但警惕再通胀风险 [9][10] - 潜在关税政策可能削弱消费者购买力，对信贷环境构成压力 [10]