Drive to Success: Mastering Auto Finance

John Lewis
  • 5.0 (1)
  • HOW TO
  • UPDATED WEEKLY

 "Drive to Success: Mastering Auto Finance" is a podcast that delves into the complexities of the auto finance industry, offering listeners expert insights and practical advice on loan options and vehicle refinancing.  Each episode equips car buyers with the knowledge to navigate their financing decisions wisely, ensuring they achieve the best possible outcomes in their auto purchasing experiences. 

  1. 12/02/2025

    Decoding the Price Tags - Understanding Vehicle Valuation Guides

    Discover the secrets behind vehicle pricing in this Season 5 premiere of Drive To Success: Mastering Auto Finance! Host John Lewis breaks down the critical differences between wholesale and retail auto pricing, then dives deep into the three major vehicle valuation guides every automotive professional needs to know: Black Book, Kelley Blue Book (KBB), and NADA Guides by J.D. Power. Whether you're a dealer, finance manager, lender, or car buyer, understanding these pricing tools is essential for successful negotiations and profitable deals. Learn why the exact vehicle can have three different "official" values, how to use each guide strategically, and what "clean trade" really means across different valuation platforms. In this episode, you'll discover: The fundamental difference between wholesale and retail auto pricingHow Black Book's auction data provides the most accurate wholesale valuesWhy Kelley Blue Book is the consumer's favorite pricing toolHow NADA Clean Trade values become the negotiating middle groundReal-world examples with actual price comparisons across all three guidesThe biggest mistakes people make with valuation guides—and how to avoid themA practical negotiation framework you can use immediatelyPerfect for automotive finance professionals, dealership staff, loan officers, and anyone wanting to master the art of vehicle valuation and negotiation. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." Head over to the @theultimateautofinanceguide YouTube channel! There, you’ll find step-by-step guides, expert advice, and so much more to help you take control of your auto financing."  "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    34 min

  2. 11/20/2025

    The Tricolor Holdings Collapse - The No-Show That Changed Everything

    Tricolor executives failed to appear at today's Section 341 creditor meeting—a stunning development that's reshaping this massive fraud case. In this urgent episode of Drive To Success, host John Lewis delivers breaking news coverage and an analysis of what happened in Dallas federal bankruptcy court. More than 150 participants joined the meeting, expecting to question Tricolor's executives under oath about the $200+ million fraud. Instead, when Trustee Anne Burns called for representation, the line fell silent. No Tricolor executives appeared. No testimony. No answers. Just empty chairs and 25,000+ furious creditors left hanging. This no-show is not just shocking; it's a legal game-changer with massive implications for the criminal investigation, the bankruptcy process, and every auto finance professional watching this case unfold. This Episode Covers: What happened when 150 creditors logged on, expecting testimonyWhy Tricolor's no-show is contempt of court and far worse than appearingThe criminal exposure this creates for company executivesWhat Judge Larson will do about this defianceHow creditors will now pursue answers through aggressive discoveryWhat this means for the DOJ criminal investigationIndustry implications of this developmentUpdated compliance protocols in the wake of executive silenceWho Should Listen: Auto lenders with warehouse credit facilitiesDealers and F&I managers in subprime financeCompliance and risk management professionalsInvestors holding auto ABS positionsAnyone in auto finance who needs to understand this pivotal momentThis is no longer just a fraud case—this is now an obstruction case. And that changes everything. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    37 min

  3. 11/11/2025

    Spot Delivery Dilemma

    In this eye-opening episode, John Lewis tackles one of the most controversial practices in automotive retail: spot delivery, also known as "yo-yo financing." Whether you're a dealer trying to navigate compliance, a finance manager protecting your business, or simply curious about automotive finance practices, this episode delivers critical insights you can't afford to miss. John breaks down what spot contracts really are, why dealerships use them, the legal landscape across America, and how Maryland became a trailblazer with comprehensive spot delivery legislation. You'll learn about the risks, regulations, and best practices that distinguish ethical dealers from those courting disaster. What You'll Learn: The mechanics of spot delivery and why it's so commonConsumer protection concerns that have regulators watchingMaryland's groundbreaking 4-day notice period lawWhy 48 states still lack specific spot delivery statutesFederal Trade Commission efforts to regulate the practiceHow to protect your dealership while serving customers ethicallyThe future of spot delivery regulation in AmericaWhether you're closing deals on the showroom floor or setting policy in the executive suite, this episode arms you with the knowledge to navigate spot delivery with confidence and compliance. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    18 min

  4. 11/04/2025

    Crossing the Generational Divide Approach To Auto Financing

    n this episode of Drive To Success: Mastering Auto Finance, host John Lewis explores the fascinating generational divide in auto financing preferences. From Gen Z's digital-first approach to Millennials' value-conscious optimization and Gen X's relationship-focused strategies, each generation brings unique expectations to the car-buying process. Lewis breaks down the key differences in payment preferences, technology adoption, and communication styles across generations, offering practical strategies for dealers and lenders to serve today's multi-generational marketplace better. Whether you're a finance professional looking to expand your customer base or a consumer trying to understand your own financing options, this episode provides valuable insights into how generational preferences are reshaping the auto finance industry. Key topics covered: Gen Z's preference for digital transparency and flexible payment optionsMillennials' focus on value optimization and comprehensive researchGen X's emphasis on relationships and traditional service excellencePractical strategies for dealers and lenders to serve all generations effectivelyCommon misconceptions about generational preferences in auto financingFuture trends in multi-generational auto financeIdeal for auto dealers, finance managers, lenders, and consumers seeking to understand how generational differences influence auto financing decisions. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    16 min

  5. 10/28/2025

    The Repo Law Maze

    Welcome to another episode of "Drive To Success: Mastering Auto Finance" with your host, John Lewis. In this essential episode for auto finance professionals, we dive deep into the challenging world of state-by-state repossession laws and the complex compliance maze they create for lenders operating across multiple states. John breaks down the most critical variations between states, from self-help repossession rules to breach of peace definitions, and explains why what works in one state could land you in legal trouble in another. Whether you're a seasoned auto finance veteran or new to the industry, this episode provides the insights you need to navigate the regulatory complexities that can make or break your collections strategy. Key highlights from this episode: Self-help repossession laws vary drastically—some states empower lenders, others restrict them.The elusive “breach of peace” standard is interpreted differently across jurisdictions, leaving repo agents exposed.Notice and sale requirements add layers of compliance—language, timing, and even the borrower's military status can impact your procedure.When borrowers cross state lines, things get murky fast. Which laws apply: origination, residence, or location of the vehicle?Technology is part of the solution, but not a silver bullet. Legal strategy, compliance systems, and trained staff are essential.The cost of getting it wrong is steep—lost deficiency rights, lawsuits, and reputational damage. Multi-state operations require more than a one-size-fits-all playbook. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    17 min

  6. 10/21/2025

    The Blockchain Revolution - How Distributed Ledger Technology Is Transforming Auto Title and Loan Verification

    California has put 42 million car titles on blockchain – and this is just the beginning. In this solo episode, host John Lewis explores how blockchain technology is transforming auto title and loan verification, transitioning from an experimental concept to a live implementation. Starting with California's groundbreaking blockchain title system, John examines how distributed ledger technology addresses major pain points in the auto finance industry, including slow title verification, lien fraud, and documentation errors. He breaks down real-world applications from companies like CHAMPtitles and Cario, explains how blockchain could reduce industry fraud losses by billions, and reveals why verification times are dropping from days to seconds. Key insights include how blockchain creates immutable records that make title washing virtually impossible, enables instant lien verification, and transforms loan origination speed. John provides specific action items for auto finance professionals, from evaluating current verification processes to planning blockchain integration strategies. This episode is essential for anyone in auto lending, dealership operations, or vehicle titling who wants to understand how blockchain is reshaping the foundation of vehicle ownership and financing verification. Key Topics Covered: California's 42 million vehicle blockchain title systemHow blockchain eliminates title fraud and verification delaysReal-world implementation by CHAMPtitles, Cario, and other pioneersImpact on loan origination speed and portfolio managementPractical blockchain integration strategies for auto financeHead over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    20 min

  7. 10/14/2025

    Right to Repair Revolution - How Legislative Changes Are Reshaping Vehicle Values and Loan Risk

    What if a simple legislative change could increase your vehicle portfolio's residual values by 10-15%? In this updated solo episode, host John Lewis delves into the rapidly evolving Right to Repair movement and its significant implications for the auto finance industry. Starting with a real-world story of a $12,000 Tesla repair (with some repairs now reaching $20,000), John breaks down how repair monopolies artificially drive down vehicle values and increase loan risk. He examines the federal REPAIR Act (H.R. 1566), which was reintroduced in February 2025 with strong bipartisan support, and analyzes data from Massachusetts' pioneering 2020 legislation. With 20 states now pursuing right-to-repair legislation and 41 bills being tracked across product categories, this isn't a future trend—it's happening now. John reveals why repair costs ranging from $1,500 to $3,000 at dealers drop to $500 to $800 when independent shops have access and explores the emerging alliance between insurance companies and repair advocates. Key insights include how right to repair could extend vehicle lifespans, reduce total loss declarations, and fundamentally reshape depreciation curves—especially for EVs and luxury vehicles. John provides specific action items for auto finance professionals, including the critical need to monitor state-level legislation that's creating regional variations in vehicle values. This episode is essential listening for anyone involved in auto lending, leasing, or vehicle valuation who wants to stay ahead of a regulatory shift that could impact billions in portfolio value. Key Topics Covered: February 2025 REPAIR Act reintroduction and bipartisan supportOctober 2025 government shutdown impact on legislative timeline20 states with active EV-focused right-to-repair legislation (full list included)EV battery diagnostic access and telematics platform requirementsHow repair monopolies drive vehicle depreciationMassachusetts implementation results and real-world dataSpecific repair cost comparisons across vehicle segmentsInsurance industry alignment with right-to-repair advocatesCybersecurity concerns and manufacturer counterproposalsLoan-to-value ratio implications and portfolio risk assessmentState-by-state monitoring strategies for lendersPractical preparation steps for auto finance professionalsShow Notes: H.R. 1566 - The REPAIR Act (February 2025 reintroduction)S. 1379 - Senate companion bill20 States with Active EV Right to Repair Legislation: California, New York, Maine, Massachusetts, Illinois, Colorado, Texas, Florida, Vermont, Wisconsin, Tennessee, Missouri, Washington, Oregon, New Mexico, North Carolina, Pennsylvania, Ohio, New Jersey, DelawareMassachusetts Right to Repair Law impact data (2020-2025)State-by-state EV repair legislation trackerIndependent shop repair cost analysisResidual value modeling considerationsRegional valuation variance reports Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    23 min

  8. 10/07/2025

    The Credit Union Advantage

    Short Description (for podcast apps - 300 characters): Should you finance your car through a credit union? Learn how NCUA insurance protects your loan, calculate real savings (hint: $1,740+ on a typical loan), and get a step-by-step framework for choosing the right credit union. Includes pre-approval strategy and common mistakes to avoid. Extended Description (for website/show notes): Credit unions often offer interest rates 1-2% lower than banks for auto loans—but how do you know they're safe, and which one should you choose? In this episode, we break down the National Credit Union Administration (NCUA) and why its federal insurance matters when you're committing to a multi-year car loan. We go beyond the basics to show you the real math: a $30,000 car loan at 5.5% vs. 7.5% saves you $1,740 over 60 months. You'll learn: • How NCUA insurance protects you throughout your loan term (not just your deposits) • Real interest rate comparisons with monthly payment breakdowns • A decision framework for evaluating credit unions based on YOUR situation • Why four specific credit unions excel for different buyer types • The pre-approval strategy that gives you negotiating power at dealerships • When dealer or bank financing actually beats credit unions • Common mistakes that cost thousands in unnecessary interest. This isn't a generic list of credit unions—it's a strategic guide to using NCUA-backed institutions to save money and avoid financing pitfalls. Whether you're a first-time buyer, have challenging credit, or are refinancing an existing loan, this episode gives you actionable steps to take this week. Head over to www.theultimateautofinanceguide.com now and grab your digital copy now. Trust me, it's the smartest investment you'll make before buying your next car." "Head over to Amazon and grab your copy today! Just search for 'Drive to Success: The Ultimate Auto Finance Guide' or use the link https://a.co/d/c9wAynw in our show notes. Take control of your car-buying experience and drive away with confidence!" Email me at: masteringautofinance@gmail.com

    23 min
See All (43)

About

 "Drive to Success: Mastering Auto Finance" is a podcast that delves into the complexities of the auto finance industry, offering listeners expert insights and practical advice on loan options and vehicle refinancing.  Each episode equips car buyers with the knowledge to navigate their financing decisions wisely, ensuring they achieve the best possible outcomes in their auto purchasing experiences. 

Information

You Might Also Like