Subprime lending is on the rise throughout the auto industry, up 11 percent from the first quarter of last year. From the perspective of many auto dealers, that's a good thing.

David Kelleher, the current chairman of the Chrysler National Dealer Council, says that lower loan standards have opened a gateway to a whole new kind of customer, mainly high-salary professionals who faced financial distress during the recession.

Now, they've recovered. And they're helping the auto industry do the same.
But these higher-risk customers wind up paying higher interest rates, significantly higher than the average interest rate of 4 percent. The Huffington Post reports that these customers are also at heightened risk for scammers.

Here's a look at the challenges they face as the auto industry increases seeks their business.