The System is BROKEN! The Car Market Collapse is HERE!

The System is BROKEN! The Car Market Collapse is Here! Nobody can afford a new car, truck or SUV now. The car market is bound to crash hard in 2026. What say you?

Topics discussed in this video include:
- Auto loan delinquencies continue to rise
- Currently the highest levels we’ve ever seen in the US.
- The expanded pandemic pricing drove this… banks were issuing 130-150% LTV loans out like candy. People overpaid and now have lost their rear ends in resale. Huge negative equities.
- Wages and salaries haven’t kept up with the cost of things…
- When money was cheap, prices of new cars and used cars skyrocketed!
- Markups over msrp became commonplace
- Dealers are pulling “Pre-Tariff Pricing Sales!”
- Auto manufacturers are now offering incentives for people with challenged credit.
- We are seeing an unprecedented number of carryover units both 2024 and 2025 units.
- 2026 models are hitting dealerships now.
- EV sales are about to crap the bed… Sept 30 was the end of the $7500 tax credit offering. No more government subsidies!
- Interest rates are still awful, 7% is still the National average for new vehicle purchases.
- 10.5% is now the National average on a Used vehicle purchase.
- Credit cards are bleeding people out… 20.1% APR being the national average interest rate.
- People are getting ripped apart with interest rates. They can’t keep up!
- Vehicle Repo rates are surging still. We saw a 23% increase in repossessions between 2023 and 2024, and unprecedented growth, we are expecting to see a similar growth between 2024 and 2025.
- Ford is offering subvented interest rates to sell their F150s… they want to keep their record of best selling pickup for 49 consecutive years! They NEED to get to 50 years lol.
- Nissan is doing it too.
- Carvana and Carmax are struggling bad!
- Just like we saw in 07-08, all home loans were getting approved. Which triggered the 08-09 recession. Lots of foreclosures!
- Cheap cars are nowhere to be found. That’s a part of the problem… not a lot of Americans can get approved for 50K+ loans.

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