Arlena Sawyer:

Dealers and lenders insist that there is no subprime bubble in automotive financing. And the numbers back them up.
 On the other hand, the anecdotal evidence indicates that consumers with subprime credit who are looking for a car or truck have more options than they did a few years ago.
 Just ask Ingram Walters.
 In a world of cheap and easily available credit, many of Walters’ buy-here, pay-here customers have disappeared.
 Walters thinks they are alive, well and buying vehicles with traditional financing at new- and used-car dealerships that specialize in used vehicles younger than the 6- to 7-year-old vehicles he typically sells at his icars used-car lot in Monroe, N.C.