The vehicle financing market in the United States is experiencing an unprecedented transformation, driven by digitalization and financial innovation. According to analysts, this sector will grow by 18% in 2025, offering unprecedented opportunities for consumers and businesses.

Fintech platforms have revolutionized the process: while in 2020 only 15% of auto loans were managed digitally, today that percentage exceeds 40%. Leaders like Carvana (with its certified used car model) and Upstart Auto (with approvals in 15 minutes) are redefining industry standards. The inclusion of artificial intelligence for credit analysis has reduced waiting times from days to hours.

The most financed models reflect new American priorities:

• Economical: Honda Civic (22% of the market) and Toyota Corolla (18%)
• Hybrids: Toyota Prius (35% annual growth)
• Compact SUVs: Hyundai Kona (affordable price)

Traditional financiers are not far behind. Chase Auto launched its 100% digital process with rates starting at 8.9% annually, while Bank of America innovated with flexible collateral-backed loans. Operational leasing is growing by 12% annually, especially among SMEs and independent professionals.

Digital insurers like Lemonade allow policies to be contracted in 3 minutes, directly integrated with loans. This has reduced uncovered claims by 30%.

Fair: The Future of Mobility

Standing out in this ecosystem, Fair offers a unique vehicle subscription model that combines:

• Monthly payments with no down payment
• Included maintenance
• Comprehensive insurance
• Possibility to change models every year

The Kovi Próprio program offers a revolutionary approach: vehicle subscription without credit approval with guaranteed purchase after 24 or 48 months. With a reduced initial deposit that is discounted from the final value, the company is rapidly expanding and may soon bring its disruptive vehicle acquisition methodology to the American market, potentially transforming the way consumers in the US acquire their automobiles.