---
title: PPO Morning Market Pulse — November 20, 2025
description: "Daily used-car market pulse: pricing trends, inventory shifts, turn rates, consumer demand pressure & key signals dealers should act on this morning."
image: https://www.profitablepre-owned.com/hubfs/Master%20-%20Profitable%20Pre-Owned%20update.png
---

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PPO Morning Market

# PPO Morning Market Pulse — November 20, 2025

Daily used-car market pulse: pricing trends, inventory shifts, turn rates, consumer demand pressure & key signals dealers should act on this morning.

By CRAIG A WHITE • November 20, 2025

![](https://www.profitablepre-owned.com/hubfs/Master%20-%20Profitable%20Pre-Owned%20update.png)

Market signalAcquisition impactGross & aging riskOperator action

PPO Operator Rule

**A falling wholesale market creates room — not permission.** Use the market move to improve the decision, not lower the standard.

Every Monday

**Get the operator version.** The PPO Brief turns one consequential market signal into acquisition, gross, aging, and risk decisions. [Get the PPO Brief →](https://www.profitablepre-owned.com/subscribe-to-the-profitable-pre-owned-brief)

# PPO Morning Market Pulse — November 20, 2025

**Your first daily look at what’s moving the used-car market today.**

![Used car market summary chart](https://www.profitablepre-owned.com/hubfs/market%20update%20snap%20shot%20Image%20Nov%2020%2c%202025%2c%2008_57_49%20AM.png)

## 📉 Used-Car Pricing & Turn Trending Slower

The average transaction price for 3-year-old used vehicles has climbed to **$31,067**, up about 5% year-over-year.

But retail speed continues to soften. Days to turn rose from **37 to 41 days** — the slowest Q3 turn since 2017.

**Takeaway:** Late-model inventory remains a risk category. Tight exit strategies and pricing reviews matter more this week.

## 📦 Inventory Rising — Risk Increasing

Dealers are now holding approximately **2.26 million** used vehicles — a 10% increase over last year. The used days’ supply sits around **48 days**.

**Takeaway:** Expect more price pressure and aging inventory challenges across most rooftops.

## 💸 Affordability Still a Barrier

Average used-auto loan rates remain above **14%**, pushing more buyers toward lower price bands or delaying purchases entirely.

**Takeaway:** Under-$20K vehicles — if you can source them — remain high-turn opportunities.

## ⚙️ Acquisition Costs Climbing

The ongoing chip/parts cost surge, driven by the global “memory super-cycle,” is feeding into OEM pricing and wholesale values.

**Takeaway:** Buy right, buy smart, and re-evaluate your auction strategy this week.

![Dealer daily action checklist](https://www.profitablepre-owned.com/hubfs/morning%20market%20checklist.png)

## 🎯 What Dealers Should Watch Today

- Local days’ supply fluctuations
- SRP/VDP activity — especially for late-model SUVs
- Search demand in your 25-mile radius
- Availability of under-$20K inventory
- Recon bottlenecks — aged vehicles aren’t forgiving right now

## 🔥 Dealer Conversation Starter

Every market is behaving differently right now. What are you seeing? Share your day’s supply, biggest challenge, or any anomalies in today’s traffic.

*Stay tuned for tomorrow’s Market Pulse at 8:00 am.*

Keep the Framework Moving

## Turn the signal into a repeatable operating decision.

The Used-Car Inventory Operating System connects acquisition rules, recon accountability, pricing cadence, aging review, and exit decisions.

[See the Operating System →](https://www.profitablepre-owned.com/the-used-car-inventory-operating-system) [Explore PPO Resources](https://www.profitablepre-owned.com/ppo-used-car-resources)

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Used-car market intelligence, operating frameworks, and practical resources built for dealership operators.

Resources

[PPO Brief](https://www.profitablepre-owned.com/subscribe-to-the-profitable-pre-owned-brief)[Prompt Library](https://www.profitablepre-owned.com/free-ppo-used-car-manager-prompt-library)[7-Day Sprint](https://www.profitablepre-owned.com/7-day-inventory-sprint)[Used-EV Playbook](https://www.profitablepre-owned.com/the-used-ev-operator-playbook)

Explore

[Home](https://www.profitablepre-owned.com/)[Operating System](https://www.profitablepre-owned.com/the-used-car-inventory-operating-system)[Insights](https://www.profitablepre-owned.com/blog)[About](https://www.profitablepre-owned.com/about)

Connect

[LinkedIn ↗](https://www.linkedin.com/in/craig-white-vauto-stockwave-profitable-pre-owned/)[YouTube ↗](https://www.youtube.com/@craigwhiteprofitablepreowned)[X ↗](https://x.com/CraigWhitePPO)

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CONTINUE READING

## More operator insight.

### [PPO INSIGHT Wholesale Used-Car Prices Fell 3.1%. Here's Why It Matters **Read the article →**](https://www.profitablepre-owned.com/blog/wholesale-used-car-prices-fell-3.1.-heres-why-it-matters-ppo)

### [PPO INSIGHT How to Price Inventory Friction Into a Used-Car Appraisal **Read the article →**](https://www.profitablepre-owned.com/blog/how-to-price-inventory-friction-used-car-appraisal)

### [PPO INSIGHT The Wholesale Market Is No Longer Rewarding “Close Enough” **Read the article →**](https://www.profitablepre-owned.com/blog/used-car-auction-buyers-are-getting-more-selective-ppo)

### [PPO INSIGHT Used-EV Inventory Management: A Dealer Group Appraisal Consistency Guide **Read the article →**](https://www.profitablepre-owned.com/blog/used-ev-inventory-management-a-dealer-group-appraisal-consistency-guide)

### [PPO INSIGHT Wholesale Prices Fell. Retail Prices Rose. That Spread Will Not Last Forever **Read the article →**](https://www.profitablepre-owned.com/blog/wholesale-used-car-prices-fell.-retail-prices-rose)

[← Back to PPO Insights](https://www.profitablepre-owned.com/blog)

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Used-car market intelligence, operating frameworks, and practical resources built for dealership operators.

Resources

[PPO Brief](https://www.profitablepre-owned.com/subscribe-to-the-profitable-pre-owned-brief) [Prompt Library](https://www.profitablepre-owned.com/free-ppo-used-car-manager-prompt-library) [7-Day Sprint](https://www.profitablepre-owned.com/7-day-inventory-sprint) [Used-EV Playbook](https://www.profitablepre-owned.com/the-used-ev-operator-playbook)

Explore

[Start Here](https://www.profitablepre-owned.com/start-here) [Solutions](https://www.profitablepre-owned.com/solutions) [PPO Insights](https://www.profitablepre-owned.com/blog) [About](https://www.profitablepre-owned.com/about) [Work With PPO](https://www.profitablepre-owned.com/work-with-ppo)

Connect

[LinkedIn ↗](https://www.linkedin.com/in/craig-white-vauto-stockwave-profitable-pre-owned/) [YouTube ↗](https://www.youtube.com/@craigwhiteprofitablepreowned) [X ↗](https://x.com/CraigWhitePPO)

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