Porsche ranks as the second highest in overall dealer satisfaction in the Captive Premium—Prime segment. Photo Credit: Porsche Experience Center Atlanta/Porsche.

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J. D. Power 2025 U.S. Dealer Finance Satisfaction Survey

Written By: CarPro | Aug 19, 2025 1:06:35 PM

When it comes to vehicle financing, national banks continue to significantly outperform regional ones when it comes to dealer satisfaction. The new J.D. Power 2025 U.S. Dealer Financing Satisfaction Study found that national banks (780) have significantly outperformed regional banks (713) in overall satisfaction and dealer intent for a third consecutive year. Researchers say while regional banks have narrowed the gap, they still trail national banks in all five of the metrics evaluated in the study. J.D. Power says it's 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

  1. Maserati Capital USA (927) 
  2. Porsche Financial Services (879)  
  3. Jaguar Land Rover Financial Group (874)
  4. Volvo Car Financial Services (826)
  5. BMW Financial Services (812)
  6. Mercedes-Benz Financial Services (795)
  7. Lexus Financial Services (794)

Captive Mass Market—Prime

  1. Southeast Toyota Finance (874) - Highest for 3rd consecutive year 
  2. Subaru Motors Finance (866)
  3. Honda Financial Services (775) 
  4. Ford Credit (764)
  5. Toyota Financial  Services (754)

Non-Captive National—Prime

  1. TD Auto Finance (864) - Highest for 6th consecutive year
  2. Ally Financial (847) 
  3. Capital One Auto Finance (820) 
  4. Chase Auto (795)

Non-Captive Regional—Prime

  1. Huntington National Bank (759) - Highest for 3rd consecutive year
  2. Santander Auto Finance (736)
  3. M&T Bank (726)  

Non-Captive Sub-Prime

  1. Ally Financial  (835) - Highest for 5th consecutive year
  2. Capital One Auto Finance (807)
  3. Chase Auto (773) 

J.D. Power's 2025 U.S. Dealer Financing Satisfaction Study is based on 24,085 total evaluations from 5,035 auto dealer financial professionals. The study, which was fielded in from April through May 2025, measures auto dealer satisfaction in five segments of lenders: captive premium—prime; captive mass market—prime; non-captive national—prime; non-captive regional—prime and non-captive sub-prime.

To see complete data charts from the J.D. Power 2025 U.S. Dealer Financing Satisfaction Study, visit JD Power's website here.