---
title: 2026 Auto Lending Fraud Trends Report | Point Predictive
description: Download the 2026 Auto Lending Fraud Trends Report. Auto lending fraud has reached $10.4 billion. Covers income fraud, bust outs, credit washing, AI-generated documents, and more.
---

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# 2026 Auto Lending Fraud Trends Report

Auto lending fraud hit **$10.4 billion** in 2025, up 13% year over year. Income misrepresentation, bust out schemes, AI-generated documents, and credit washing are accelerating faster than most lenders realize. This 35-page report covers all of it.

$10.4B

Fraud Exposure

69%

First Party Fraud

+67%

Bust Out (5yr)

Inside the Report

- Income and employment fraud now accounts for 45% of all auto lending fraud
- AI-generated paystubs surged 500% in 2025
- Bust out fraud classified as its own category for the first time
- Credit washing, synthetic identity trends, and AI dealer cloning
- Riskiest states, ZIP codes, and vehicles for fraud and early payment default

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$5T+

Loans Scored

300M+

Applications

90B

Risk Elements

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