JD Power said that finalizing financing isn’t just about dealers and lenders collaborating on competitive rates. It’s also about how easy the lender makes the deal.

And apparently TD Auto Finance does pretty well in that department since the division of TD Bank now has been ranked highest among national non-captive prime credit lenders in the JD Power U.S. Dealer Financing Satisfaction Study for the seventh consecutive year.

“Earning this recognition for seven years in a row is incredibly meaningful because it reflects the trust dealers place in us every day,” said Andrew Stuart, head of consumer products, auto finance and wealth for TD Bank U.S. “Our teams are committed to making financing simple, reliable and easy to do business with. We’re proud to support dealers with the tools, service and expertise they need to help their clients.”

The JD Power U.S. Dealer Financing Satisfaction Study measures dealers’ experiences with their financing providers and evaluates the strength of lender relationships across several key areas, including funding, credit support, sales relationships and provider offerings.

Among national non-captive prime credit lenders, TD Auto Finance came in first overall in dealer satisfaction for a seventh consecutive year, with a score of 895 on a 1,000 point scale, followed by Capital One Auto Finance (871) and Ally Financial (868).

Other rankings included:

Captive premium

Jaguar Land Rover Financial Group ranked highest in overall dealer satisfaction with a score of 879, followed by Porsche Financial Services (853) and Maserati Capital USA (844).

Captive mass market

Subaru Motors Finance ranked highest in overall dealer satisfaction with a score of 879, followed by Southeast Toyota Finance (871) and Toyota Financial Services (813).

Non-captive regional prime

Huntington National Bank came in first in overall dealer satisfaction for a fourth consecutive year, with a score of 794, followed by Fifth Third Bank (748).

Non-captive subprime

Capital One Auto Finance came in first overall dealer satisfaction, with a score of 864, followed by Ally Financial (858) and Chase Auto (802).

The 2026 U.S. Dealer Financing Satisfaction Study, which was fielded from April through May, is based on 25,541 evaluations from 5,662 auto dealer financial professionals.

“This recognition is especially meaningful because it reflects the voice of our dealers,” said Nadir Jones, head of TD Auto Finance. “For seven consecutive years, they’ve recognized our commitment to service, partnership and delivering for their clients. We’re honored by that trust and remain focused on helping dealers grow their businesses through strong relationships, practical solutions and a consistently exceptional experience.”

Four factors that differentiate lenders

The JD Power 2026 U.S. Dealer Financing Satisfaction Study reinforced that faster decisions, consistent answers, self-service tools and getting contracts funded right the first time are increasingly shaping which lenders dealers want to do business with.

Other key findings from the 2026 study included:

—Dealer finance professionals care about more than the rate: While a competitive rate is the most common reason dealer finance professionals send business to a lender (18%), factors such as ease, speed of approvals and sales representative relationships collectively account for 70% of the reasons dealers choose a lender.

—Consistency in lending decisions also matters: Overall satisfaction nearly quadruples to 967 (on a 1,000-point scale) when dealers experience consistent decisions from a lender. Dealers want to know that the same deal will get the same answer, regardless of which analyst reviews it.

—Getting it right the first time matters: In this year’s study, lender staff resolved 82% of dealers’ problems, questions or issues on the first contact. The overall satisfaction score for lenders that deliver first-contact resolution is 841, compared to 599 when a second contact is needed (-242 points). Nearly 20% of interactions require a second contact.

—Dealers increasingly want to handle financing themselves: Almost three-fourths (74%) of dealers want to mostly or fully self-serve, with restructuring credit applications as the top task they want to manage on their own. This points to growing demand for real-time tools that let dealers make changes, clear issues and restructure deals without having to call the lender.

“Dealership finance professionals are telling lenders that the experience matters just as much, if not more, than the financial terms,” said Patrick Roosenberg, senior director of automotive finance intelligence at JD Power. “They want faster, more consistent decisions, the ability to handle more of the process themselves and issues resolved the first time.

“Lenders that can remove those points of friction have a better opportunity to earn more of a dealership’s business,” Roosenberg went on to say.