In today’s fast-paced automotive landscape, consumer behaviours are rapidly evolving. Gone are the days when car buyers focused solely on the sticker price. Now, monthly instalment is the driving force behind many purchasing decisions.
In 2022 alone, over 2,000,000 cars were purchased on finance across key markets in Great Britain, France, Germany, Italy, and Spain. As Original Equipment Manufacturers (OEMs) adjust to this shift, they must compare and price vehicles in ways that align with how consumers view affordability – primarily by looking at the monthly cost.
With flexible finance options playing a critical role in promoting electric vehicle (EV) adoption, finance data is now essential in driving more sustainable automotive trends. OEMs need access to accurate, comprehensive, and actionable finance data to inform pricing strategies, develop competitive finance packages, and support the industry’s push toward meeting environmental goals. JATO’s finance intelligence offers these insights, supporting the automotive sector in making data-driven decisions.
JATO’s finance data solutions enable key players in the automotive sector to make informed decisions about private automotive finance contracts. This data is crucial for assessing the most common finance solutions, comparing models across markets, and building packages that resonate with consumers.
At the core of our offering is data on two types of credit: PCP/Balloon contracts and Private Contract Hire (PCH). The focus is on passenger cars, excluding business leasing, and covers finance profiles that suit various customer needs:
This coverage extends to more than 85% of the market volume across the available markets: UK, Germany, France, Italy, Spain, Belgium, and the Netherlands. JATO includes all models and versions for each brand, giving a complete picture of each market, providing the most competitive benchmarks available.
What makes our finance intelligence indispensable is the level of detail it offers. For each market and vehicle model, JATO captures:
These detailed insights enable automotive stakeholders to fully understand the financial landscape, compare offers across different markets, and adjust their strategies accordingly. By offering this level of granularity, we support OEMs in creating more competitive finance packages that resonate with consumers' needs.
In an ever-changing market, being able to react to market events in a timely manner is crucial. Monthly Payments Alerts, part of JATO’s suite of tools, delivers personalised finance intelligence directly to your inbox. These alerts keep users updated on critical market events, such as competitor price changes or shifts in finance trends.
The key advantage? You are always in control. With insights delivered within 24 hours of a market event, users can decide whether to adjust strategies without being blindsided by competitor movements.
Here’s how Monthly Payments Alerts can benefit your business:
Monthly Payments Analytics allows users to visualise and interpret complex data, going beyond static charts and spreadsheets to deliver insights that can shape your business strategy.
With Monthly Payments Analytics, users benefit from:
A critical shift in the automotive sector is how consumers evaluate purchases. Traditional value analysis typically uses the list price as the base, but consumers are increasingly focusing on the monthly instalment value. This shift calls for a new approach to value analysis, one that we deliver through our Monthly Payments solution.
Rather than assessing competitiveness based purely on individual monthly cost, we enable you to perform finance value analysis in three steps:
This comprehensive approach gives you a more complete picture to shape your finance packages that reflect real-world consumer priorities.
JATO’s suite of tools to access finance specific intelligence includes V5, Monthly Payments Analytics and JATO Net. These solutions are designed for all kind of users – from analysts seeking deep market insights to non-technical executives needing quick but instant snapshots of market trends.
By integrating these tools into your decision-making process, you gain a holistic view of the automotive finance landscape, empowering you to make smarter decisions.
In an industry where consumer preferences are constantly evolving, having the right finance data is essential for staying competitive. JATO’s automotive finance data flow provides the insights and intelligence OEMs need to navigate the complex world of automotive finance. With comprehensive data, actionable alerts, and advanced analytics, we aim to empower you to see the market through the eyes of the consumer, ensuring that your business is always one step ahead.