TD Auto Finance Achieves Unprecedented Six-Year Streak as Top-Ranked National Non-Captive Prime Credit Lender in J.D. Power 2025 Study
TD Auto Finance, the auto lending division of TD Bank, N.A., has once again secured its place at the top of the industry. For the sixth consecutive year, the company has earned the highest ranking in Dealer Satisfaction among National Non-Captive Prime Credit Lenders in the J.D. Power 2025 U.S. Dealer Financing Satisfaction Study. This achievement underscores TD Auto Finance’s sustained leadership in delivering exceptional value and service to both auto dealerships and consumers across the United States.
A Legacy of Consistent Excellence
Maintaining the top position for six straight years is no small feat in an industry as competitive and rapidly evolving as automotive finance. Market dynamics, economic pressures, and shifting consumer expectations have made dealer satisfaction a constantly moving target. Yet TD Auto Finance has demonstrated an unwavering ability to anticipate dealer needs, adapt to changing conditions, and invest in processes that drive measurable results.
“This recognition is a testament to the passion, skill, and customer-first mindset of our TD Auto Finance team,” said Andrew Stuart, Head of U.S. Consumer Products, Auto Finance & Wealth at TD Bank. “At TD Bank, our mission is to create exceptional experiences that truly make a difference in the lives of our customers. Year after year, our auto finance team delivers on that promise with excellence and consistency. Congratulations to everyone at TD Auto Finance – and thank you for your tireless efforts.”
Market Reach and Scale
TD Auto Finance plays a pivotal role in the U.S. automotive financing ecosystem. The company provides indirect retail financing for more than 1.1 million consumers and partners with over 6,600 franchised dealerships nationwide. As the 8th largest bank auto lender and the 12th largest overall auto lender in the country, its footprint spans multiple regions, vehicle brands, and consumer demographics.
This reach gives TD Auto Finance both scale and insight—two critical advantages in tailoring products, streamlining processes, and maintaining strong dealer relationships.
Leading by the Numbers
In the 2025 J.D. Power study, TD Auto Finance achieved an overall satisfaction score of 864 out of 1,000 in the National Non-Captive Prime Credit segment—a remarkable 84 points above the segment average. This performance reflects an industry-leading ability to meet dealer expectations in a category where competition is fierce and service quality is scrutinized down to the smallest detail.
The company also scored highest in three of the five core factors measured by the study:
- Funding Process – Efficiency, transparency, and reliability in getting deals funded quickly and accurately.
- Finance Provider Offerings – The breadth and competitiveness of financing programs, incentives, and terms.
- E-Contracting Process – The usability, speed, and accuracy of electronic contracting tools, which are increasingly critical in an era of digital retailing.
By excelling in these key areas, TD Auto Finance has set a benchmark for what dealers expect from a lending partner.
Dealer-Centric Philosophy
For TD Auto Finance, the J.D. Power recognition is more than a trophy—it is validation of a philosophy built on listening to dealers and acting on their feedback.
“We’re continuing to raise the bar for our dealers, and we’re grateful to every dealer who shared their perspective in this year’s study,” said Nadir Jones, Head of TD Auto Finance. “The insights we gather from this feedback are invaluable. They guide our relentless pursuit of legendary service and help us design retail programs that empower dealers to better serve their customers.”
That dealer-first approach aligns closely with broader trends in the automotive finance industry, where lenders are moving from transactional relationships to true business partnerships. Today’s dealers expect lenders not just to approve loans but to support them with marketing, technology integration, compliance guidance, and customer service training.
Understanding the J.D. Power Study
The J.D. Power 2025 U.S. Dealer Financing Satisfaction Study is one of the most trusted benchmarks in the automotive finance sector. The National Non-Captive Prime Credit segment—where TD Auto Finance earned its sixth consecutive top ranking—focuses on lenders that are not directly tied to a single manufacturer and that specialize in serving prime-credit customers.
The study’s methodology is rigorous. For the 2025 edition, researchers collected 8,835 evaluations from 2,172 auto dealer financial professionals, assessing lenders across five primary factors:
- Funding process
- Finance provider offerings
- Relationship management
- E-contracting process
- Overall value and terms
By surveying a broad base of dealer respondents across multiple regions and brand portfolios, the study provides an objective view of which lenders are truly excelling.
Why Non-Captive Prime Credit Matters
The prime credit market is highly desirable for lenders due to its lower default risk and stronger repayment performance. Non-captive lenders, who are not tied to a single automaker’s finance arm, must compete aggressively to win dealer business in this segment.
In this space, service quality and ease of doing business often determine which lender a dealer chooses to work with. TD Auto Finance’s leadership position suggests it has successfully combined competitive rates and terms with outstanding dealer relationship management.
The Role of Technology in Dealer Satisfaction
One of TD Auto Finance’s standout strengths—its e-contracting process—highlights the increasing role technology plays in dealer-lender interactions. Electronic contracting not only speeds up the sales and funding cycle but also reduces errors, minimizes paperwork, and improves compliance.
Dealers operating in today’s market face growing consumer demand for faster, more transparent financing processes. Lenders that invest in digital tools are better positioned to meet these expectations, and TD Auto Finance’s high scores in this category suggest it is ahead of the curve.
The auto finance industry is navigating significant change, from the rise of electric vehicles to evolving consumer preferences and tightening credit conditions. In this environment, the ability to maintain high dealer satisfaction year after year signals more than operational excellence—it reflects a strategic adaptability that positions TD Auto Finance well for the future.
By leveraging feedback from dealers, continuing to invest in technology, and refining its product offerings, TD Auto Finance appears committed to sustaining its leadership in dealer satisfaction well beyond its current six-year streak.
