Major auto lender Ally Financial said in April that it expects to see yields on retail auto originations in the 7% range for the rest of 2021, above the first-quarter 6.66% average for Ally’s current book of retail auto loans.

Ally’s auto leasing average yields have surged, from 5.2% at the start of 2020 to almost 8.6% in the first quarter of 2021.

But the wonky supply chain isn’t all good news for banks. Dealers typically borrow to finance their floor inventory. When they can’t get cars, and the cars they can get immediately zoom off the lot, that hurts banks’ loan growth.

Still, there is an upside to that. When supply picks up and puts pressure on used-car prices, for banks there may be an offset in the form of faster dealer floorplan loan growth.

The supply-chain woes that have stymied carmakers have accelerated used-car prices, as buyers scramble to find vehicles — and, in turn, for auto lenders. Banks are relatively bigger players in used-car loans than in new-car loans, and used-car loans generally have higher yields.