[saltminer]

Too late to edit, but I scrolled right past the "Morningstar Pre-Sale Report, September 2024 [Pg. 14]" table. They've been primarily lending to deep subprime borrowers since at least 2021.

Considering other subprime lenders have reduced extensions while Carvana has doubled them, I'm guessing their lending standards have cratered even by subprime standards and Ally isn't happy.