More From Gallagher

40 year Reunion 40 years ago? Seriously? My class from Central Catholic High School had our 40th reunion this weekend. I had an amazing time catching up with friends—some I see often, and others I hadn’t seen in…40 years?!! We toured our alma mater. We got together for golf. The reunion itself was perfect in […]

Average Vehicle Age The average vehicle age is nearing 13 years. That’s good news for financing service contracts, warranties, and aftermarket products. Demand is real. But here’s the challenge: modern vehicles are far more complex. Financing F&I products needs people who understand shifting risks, the costs of EV maintenance, and what consumers now expect. Your

Lender’s Compliance Team isn’t Prepared I’ve seen it happen: a lender’s compliance team isn’t prepared. Regulators show up, and what should’ve been easy becomes multi-million-dollar fines. In 2025, compliance isn’t optional—it’s strategic. CFPB scrutiny is serious. State oversight is on the rise. Old frameworks draw in liabilities. The answer isn’t just software—it’s compliance leaders who

Leaders Get Stuck Every lender I talk to is running into the same wall: affordability is crushing consumers. Many buyers face average payments over $1,000 a month. So, they’re choosing longer terms, smaller down payments, and tighter budgets. This means a higher risk for you and more unhappy customers when loans become burdens. The lenders

Victories Feel Good We have to celebrate the victories! Christine Gallagher placed a candidate with a client who started this week. This candidate reached out to her via text. She posted on Facebook: This makes a tired, worn-down recruiter happy. This position was challenging to fill and took quite some time but it was worth

Scary Market “It is a scary market out there right now and  has been for a while.” An industry veteran consultant shared this with me this week. Many regular Prime buyers are turning into subprime buyers. Also, many subprime buyers are now BHPH customers. He sees great opportunities for dealers selling vehicles priced at $15k

The Automotive Market Hiring in the automotive aftermarket is tough. This is especially true for sales leaders, territory managers, and channel talent. They can truly make a difference. For more than 20 years, I’ve helped aftermarket companies. I connect them with people who truly understand this industry. That’s how I built my network. I know