Introduction: Why F&I Product Strategy Is Under the Microscope in 2026 In 2026, dealership profitability is being tested from multiple directions. Vehicle margins remain inconsistent, customer expectations continue to evolve, and operational costs show no signs of slowing down. In this environment, dealerships that rely on outdated F&I product strategies are finding it harder to maintain strong results. At the same time, top-performing stores are proving that industry-leading F&I products—when paired with the right process and training—remain one of the most reliable drivers of PVR and long-term profitability . The difference is not simply which products are offered, but how they are selected, presented, and supported. This article explores the F&I products gaining the most traction in 2026, why they are working, and how leading dealerships are using them as part of a broader performance strategy. What Defines an “Industry-Leading” F&I Product in 2026? The ...
Maximizing Dealership Profitability Through Strategic F&I Products and Adaptive Finance Office Training
The modern finance office has evolved far beyond its origins as a mere paperwork hub or a transactional stop at the end of a vehicle sale. In the current landscape of automotive, powersports, and RV retail, the Finance & Insurance department serves as the primary engine for sustainable profitability and long-term customer retention. To navigate the complexities of rising interest rates, tightening credit markets, and increasingly informed consumers, dealership leadership must view F&I through a dual lens of product excellence and continuous professional development. Success is no longer defined by the high-pressure tactics of the past; instead, it is built upon a foundation of transparency, comprehensive product knowledge, and a commitment to protecting the consumer’s investment. The Strategic Selection and Impact of F&I Products A dealership’s reputation and financial health are inextricably linked to the quality of the F&I products it offers. When a Finance Mana...