According to the J.D. Power 2025 U.S. Dealer Financing Satisfaction Study, national banks (780) have significantly outperformed regional banks (713) in overall satisfaction and dealer intent for a third consecutive year. While regional banks have narrowed the gap, they still trail national banks in all five of the metrics evaluated in the study, an indication that progress is not happening quickly enough to shift dealer preferences or behaviors. “National banks continue to demonstrate the resilience and adaptability that set them apart in today’s economic climate,” said Patrick Roosenberg, senior director of automotive finance intelligence at J.D. Power. “If regional banks want to stay competitive, they must clearly differentiate their value proposition and show dealers how their services are superior in meeting their needs. Without that, they risk losing relevance—and market share.” Study Rankings
- Captive Premium—Prime: Maserati Capital USA ranks highest in overall dealer satisfaction with a score of 927, followed by Porsche Financial Services (879) and Jaguar Land Rover Financial Group (874).
- Captive Mass Market—Prime: Southeast Toyota Finance ranks highest in overall dealer satisfaction for a third consecutive year with a score of 874, followed by Subaru Motors Finance (866) and Honda Financial Services (775).
- Non-Captive National—Prime: TD Auto Finance ranks highest in overall dealer satisfaction for a sixth consecutive year, with a score of 864. Ally Financial (847) ranks second and Capital One Auto Finance (820) ranks third.
- Non-Captive Regional—Prime: Huntington National Bank ranks highest in overall dealer satisfaction for a third consecutive year, with a score of 759. Santander Auto Finance (736) ranks second and M&T Bank (726) ranks third.
- Non-Captive Sub-Prime: Ally Financial ranks highest in overall dealer satisfaction for a fifth consecutive year, with a score of 835. Capital One Auto Finance (807) ranks second and Chase Auto (773) ranks third.