Texas Election 2026: What Payday, Title & CAB Lenders Face
THE BUSINESS OF LENDING NOVEMBER 4, 2026 TEXAS JUST FIRED ABBOTT. IS YOUR LENDING BUSINESS NEXT? A new governor. A new lieutenant governor. A new attorney general. And a very expensive question for Texas payday, title, CAB and installment lenders. By Jer Ayles | TheBusinessOfLending.com Texas lenders didn’t wake up to a new lending law […]
11-02-2026
The Business of Lending | Operator Intelligence THE BIG LENDERS ARE MAKING THREE DIFFERENT BETS. WHICH ONE ARE YOU MAKING? OneMain is pushing originations. World Acceptance tightened the front door. Enova is scaling its digital engine. Their latest earnings expose a costly mistake smaller lenders make every day: confusing loans funded with money earned. By […]
OneMain Grew Loan Originations 17%. Adjusted Earnings Fell 23%. What’s Your Store Manager Celebrating?
Subprime Lending Intelligence | Earnings Analysis OneMain Grew Loan Originations 17%. Adjusted Earnings Fell 23%. What’s Your Store Manager Celebrating? More loans. More credit-loss provisions. Less adjusted segment profit. Here’s the math every payday, installment, and car title lender should understand. By Jer Ayles | TheBusinessOfLending.com | October 31, 2026 OneMain originated another $653 million […]
World Acceptance Lost 5.4% of Its Customers. Profit Jumped $10.4 Million.
SUBPRIME LENDING INTELLIGENCE | OCTOBER 29, 2026 World Acceptance Corporation lost customers, reduced new-customer loan production, increased refinancing, and improved quarterly earnings by $10.4 million. By Jer Ayles | The Business of Lending | Fiscal Q2 2027 Earnings Analysis Most lenders would be alarmed if their customer count fell 5.4%. The owner would demand answers. […]
Pawn Loans Are Booming
The Business of Lending Money to Strangers October 25, 2026 | Industry Intelligence | Jer Ayles PAWN LOANS ARE BOOMING. CONSUMER FINANCING IS STRUGGLING. WHAT DOES THAT TELL US ABOUT THE AMERICAN BORROWER? FirstCash just reported two very different businesses moving in opposite directions. Payday, title, and installment lenders ought to pay attention. FirstCash just […]
CFPB Debanking Investigation: Operation Choke Point Comes Full Circle
CFPB Debanking Investigation: Operation Choke Point Comes Full Circle Last updated: October 20, 2026 On October 14, 2026, the Consumer Financial Protection Bureau announced it is investigating nine of the largest banks in America, Chase, Bank of America, Citibank, Wells Fargo, U.S. Bank, Capital One, PNC, TD Bank, and BMO, over account closures and restrictions […]
Cash Advance Apps Are Coming for Your Subprime Lending Customers
Your Next Borrower Already Has 5 Lenders | The Business of Lending THE BUSINESS OF LENDING Money to Strangers. Underwriting. Collections. Compliance. Technology. The Business. THE COMPETITION YOU MAY BE UNDERESTIMATING Your Next Borrower Already Has 5 Lenders. None of Them Have a Storefront. 14 cash advance apps. $3,899 advanced. Approximately $368 in reported costs. […]
Your Collateral May Die Before Your Loan Does
A title lender’s collateral guide may say $6,000, but what happens when the vehicle brings just $2,500 after repossession expenses? New auto-finance data raises an important underwriting question for title lenders
YOUR LOAN MANAGEMENT SYSTEM IS ABOUT TO GET A NEW EMPLOYEE. AND IT DOESN’T NEED A DESK.
THE BUSINESS OF LENDING | ARTIFICIAL INTELLIGENCE YOUR LOAN MANAGEMENT SYSTEM IS ABOUT TO GET A NEW EMPLOYEE. AND IT DOESN’T NEED A DESK. AI is moving from answering questions about loan files to performing actual work inside lending systems. Payday, title, and installment lenders need to pay attention. I’ve spent a long time in […]