6.9%: The Auto Loan Record Nobody Can Explain

Car payments in America just hit a record — and the official story says cars are getting more affordable. This video follows the money: who gets paid when you fall behind, why 84-month loans became normal, and what it means for the car already sitting in your driveway. Every number comes from the Federal Reserve, Fitch Ratings and Edmunds. No opinions, no panic — we go through the actual data: delinquency rates, average payments, negative equity, repossession flows. If you financed a car in the last three years, the last chapter is about you.