Is there a forseeable end to the present tightening of consumer credit standards?

In the wake of the current situation regarding large bank write-offs, at what point will lenders again provide consumers with credit that wouldn%26#039;t presently qualify? Not credit cards, but auto loans for example. I%26#039;m in the process of repairing my credit which has a low rating and adverse history.

What macroeconomic factors are involved when determining whether banks and lenders provide credit to borrowers on a large scale?

Is there a forseeable end to the present tightening of consumer credit standards?

Standards not likely, but interests will probably come down again before the end of year. Sorry for your predictament. Hope you have a nice holiday. Factors involved in loosening standards generally precedes or closely follows weakening eco conditions which we seem to be approaching. The Fed%26#039;s two-month ago 2% reduction in overrnight rate didn%26#039;t do the job.