According to the Consumer Federation of America, high car prices are creating a financial emergency in America. With new car prices averaging nearly $50,000 — and 20% of new car buyers paying $1,000 or more for their monthly car payment — it’s no surprise that the total level of auto debt in America has reached a whopping $1.66 trillion. Be Aware: I’m a Mechanic: These Are the 5 Most Expensive Cars To Maintain Over Time Explore More: 6 Hybrid Vehicles To Stay Away From in Retirement The consequence of all ...

They're not allowed to make misrepresentations about a car's price, and they must give buyers clear monthly payment information. Effective July 30, 2024, dealerships also cannot charge for add-ons that don't offer an actual benefit, based on the FTC’s Combating Auto Retail Scams Trade Regulation Rule [4]. These protections may help consumers, but only to a point.Yet, car dealerships do have to follow certain rules.In a 2024 survey by KPA [2], 76% of Americans said they don't trust car dealerships to be hone ...

汽车贷款期限趋势 - 2025年第二季度84个月或更长贷款期限占比达22.4% 较第一季度20.4%上升 较去年同期17.6%显著增长[1] 购车成本变化 - 新车平均融资额创历史新高达到42,388美元[2] - 近20%购车者月还款额超过1,000美元[2] - 平均首付金额降至6,433美元 较去年同期6,579美元下降[2] 长期贷款潜在影响 - 长期贷款导致总利息成本增加[3][4] - 车辆贬值速度可能快于贷款偿还速度[3] - 长期持有意味着更高维修保养成本[4] 替代方案建议 - 选择1-3年车龄二手车可降低购车成本[5] - 提高首付比例可减少贷款总额及利息支出[5] - 通过信用合作社或银行比价获取最优利率[5]