The average monthly payment on a new vehicle in 2015 was $491. The average amount financed:$28,769. Now, some 10 years later, the average monthly payment in the fourth quarter of 2025 hit an all-time high of $772, with the typical amount financed also hitting a record$43,759, according to Edmunds. Longer loan terms, buyers paying $1,000 or more a month for a vehicle than ever before, and higher insurance costs — buying a new car may be reaching the limits of affordability, mirroring the other classic A ...