As the changes in the subprime mortgage market are still taking place, a new research indicates that Americans car loans and other forms of credit consumers are beginning to get nervous.

In late October a poll was conducted by market researcher Synovate of Chicago for GDEXAuto, which is also known as Global Debt Exchange. The consumers were asked the following question: "Given the fallout in the subprime mortgage market, how concerned are you that your ability to obtain credit for something like a car loan will be affected?» A great number of consumers expressed fear about possible spillover from the subprime crisis. One-third of the asked or 33 percent, explained that they were extremely troubled about the fact their credit may be at risk.

The results of this research vividly show a continuing need to offer lending to a number of cash-strapped groups. In this situation particular attention should be drown to the family/young adult market.

The findings of research also show:

Youths is Troubled: Younger respondents are especially concerned. A total of 45 percent of 18- to 24-year-olds are concerned, along with 43 percent in the 25 to 34 age group. This is compared to only 15 % of  the 65-plus age bracket as people of this category seldom seek credit for a car or other big-ticket item.

Kids Raise the Stakes: Respondents having a child or children expressed greater concern (44 percent) than those without kids (27 percent).

The Impact of Changes is Already Felt: For some respondents this problem is not theoretical at all. Almost 12 percent of respondents insist that their credit has already been affected.

Genders Share Concerns: Men are more troubled according to research than women, 35 percent to 32 percent, respectively. However about more women say their credit has already been affected (6 percent), against just 2 percent of men.

Employment is not a Remedy: Those respondents who have a stable job say that this doesn't significantly diminish their concerns. Both unemployed and those who employed fulltime share concerns. People are very troubled with the situation of the loan markets.

Dixie Worried: The risks connoting with the changes of loan policy is hitting the South hardest, with 40 percent of these consumers expressing concerns. This is almost 10 percent higher than in any other region in the country.

Marked Racial Divide: The racial disparity is very vividly expressed in the pool results. They demonstrate that about 52 percent of nonwhites expressed concern, versus 30 percent of whites. Now 9 percent of nonwhite respondent say that they have already felt the impact the changes made on their credits.