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CDK Data Reveals 77% Ease Score

Credit Applications Tank as Captive Financing Promises Meet Reality Check

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TLDR: Car buyers’ ease of purchase satisfaction plummeted from 90% to 77% in June 2024 – CDK Global’s steepest monthly drop in three years. Only 53% found credit applications easy (down from 67%), while 36% spent more time than expected at dealerships, signaling a fundamental disconnect between advertised captive financing rates and actual buyer qualifications that could reshape F&I strategies through 2025.


The automotive retail landscape experienced its most dramatic customer satisfaction collapse in June 2024, according to CDK Global’s monthly Ease of Purchase scorecard. The 13-point nosedive represents more than a statistical anomaly – it’s a warning shot across the bow of an industry grappling with the harsh realities of elevated interest rates meeting aggressive captive financing promises.

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