Fuck Cars
A place to discuss problems of car centric infrastructure or how it hurts us all. Let's explore the bad world of Cars!
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This is another big factor. Stealerships have learned that as long as the monthly payment looks low they can charge whatever interest they want, and not mention it until after Americans have signed on the doted line.
Edit: Anecdotally, a friend of mine bought a NEW CAR because she was worried she was spending too much on paying off her current one. The monthly payment went down, so she was all smiles. I don't have numbers, but she must have been close to paying that first car off. But hey she's "saving" $150 a month!