(CNN) - One of America's top subprime car loan lenders is checking the incomes of only a fraction of its customers.
That's according to Moody's Investors Service, who looked into Santander Consumer USA.
Moody's says the company did its homework on only eight percent of its loan applicants.
By comparison, Santander's main competitor verified the incomes of 64 percent of its applicants.
Santander's behavior echoes the problems that led to the home loan crisis, when many people took mortgages they couldn't afford.
Car loans are far smaller, but there are concerns because subprime car loan losses are the highest in years.
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