Along with higher car prices, car loan balances and average loan lengths have grown to more than five and a half years, with a growing number of cars now financed for seven or eight years. On top of that, interest rates are slowly creeping up, making the cost of auto loans and leasing more expensive.Īverage used car prices topped $20,000 in late 2018, according to Edmunds, while the average new car transaction price was higher than $37,000 in January 2019, according to Kelley Blue Book. That’s not how much you “can” spend on a car, but how much you “should” spend.Ĭars, whether they are new or pre-owned, are expensive to buy and operate – and they’re only getting more costly. One of the first steps you should take when you are considering buying or leasing a new or used vehicle is figuring out how much you should spend on the car.
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