Eight High-Signal Markets
Active Right Now
Signal scores are calculated from subprime concentration, refinance window timing, OEM incentive alignment, and tax season refund activity. Higher scores indicate a larger pool of finance-ready buyers available for targeting today.
Which OEM Loan Holders Are
Most Likely to Move Right Now?
Toyota
High2019–2021 buyers at rate reset window. High equity, strong refinance signal.
Ford
HighF-150 and Explorer buyers with 72-month loans hitting negative equity zone.
Chevrolet
Medium-HighSilverado lease returns creating upgrade opportunity cluster.
Honda
Medium-HighCivic/Accord buyers with near-prime profiles ready for rate improvement.
Nissan
MediumSubprime concentration in Altima/Rogue — approval rate improvement opportunity.
Hyundai/Kia
MediumRecall-affected models creating trade-in urgency signal.
The Tax Season Window
Is Open Right Now
Q1 Refund Window
January–April is the single highest-conversion window for subprime and near-prime auto buyers. Tax refunds provide the down payment that was the last barrier to purchase.
First-Mover Advantage
Dealers who deploy in the first 2 weeks of tax season capture 60%+ of the available funded deals before competitors even launch their campaigns.
Rate Environment
Current rate spreads between existing loans and new approvals are at a 3-year high — meaning more buyers can meaningfully improve their payment by moving now.