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.
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