$745 per month. That is the average new car payment in 2025. Most buyers are falling behind. Auto debt is surging. And people are trapped in loans stretching six years. Six years of payments. Six years of chains (CarBuzz).
Experian confirms it. $745 per month for new vehicles. $521 for used. Even with 72-month loans, people cannot keep up (NerdWallet).
And here is the kicker. 85% of new cars are financed. Used cars dominate the rest at 56.71% (Accounting Insights). People are borrowing more to keep up with the Joneses. They are drowning. They are trapped. Many households have two or three vehicles. Multiply the risk. Multiply the stress. Multiply the debt.
WTF are people thinking? Paying more than ever and getting less. The system is designed to squeeze ordinary Americans dry. The next wave of defaults is coming. It is not a question of if. It is a question of when.
Brace yourself. This is not a small problem. This is a warning. The auto debt crisis is real. It is growing. And it is hitting families harder every single month.