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Why Americans Are Falling Behind on Auto Loans At Their Highest Level Ever
Duration: 00:50:30
December 22, 2025
- The "k-shaped economy" is driven more by wealth disparities, particularly homeownership, than income alone, as higher-income individuals with home equity have shown greater financial resilience.
- Auto loan delinquencies are at historically high levels, driven by increased car prices, higher interest rates, and rising ownership costs like insurance, making them the riskiest credit product.
- Newer credit scoring models, like VantageScore, are significantly expanding financial access by incorporating a wider range of data, including utility and rent payments, and employing more sophisticated predictive analytics.




