Of course, one downside to this new gold rush comes from subprime lending and the delinquencies they tend to spawn in their wake, though Turek believes they will remain at levels far below those found at the start of the Great Recession in 2008 in part due to strong used-car prices. TransUnion notes that 29.8 percent of all loans in Q3 2013 are subprime, nearly five percent lower than in Q3 2008 when the bottom fell out. Leasing will also have it good in 2014, though TransUnion was mum on how good beyond stating it would be better than 2013, where 1.3 million leases were signed in the first half of the outgoing year. Turek says that, much like strong used-car prices, leasing will also offset delinquency rates, as financing for leases are made upon new cars for consumers with above-average credit ratings.