Perfect On Paper:
The Rise Of Straw Borrower Fraud In 2026

Straw borrower fraud in auto lending is up 37.6 percent in three years. The applications look clean because everything on them is real: the name, the Social Security number, the credit. This report covers the signals that catch it at underwriting.

Get the free report

"A straw borrower is the hardest kind of fraud to see, because everything on the application is real. The only fraud is who gets the car."

Frank McKenna, Co-Founder, Point Predictive

The 2026 Straw Borrower Report

24 pages · Free · September 2026

Get the report

✓ The report opens as soon as you submit

✓ Consortium data, three case studies, and all 21 red flags

Point Predictive uses the information you provide to share fraud research and product updates. You can unsubscribe at any time.

A look inside

Three years of consortium data on straw borrower risk, with the charts and red flags your team can put to work the same day.

The Straw Borrower Index, up 37.6 percent over three years

Three years of consortium data

The Straw Borrower Index, the borrower patterns most associated with first payment default, and where the risk concentrates by city and age band.

Case studies

How a 90 car Turo fleet was built on 16 straw borrowers, how phantom dealerships pulled $1.7 million out of lenders, and the recruitment ads that pull people in.

The 21 red flags

The application, deal, and network signals that give a straw borrower away, plus the five controls that stop straw deals before funding.

Perfect On Paper:The Rise Of Straw Borrower Fraud In 2026