YOU Can’t Afford a Car Anymore: This Is the Real Warning Sign
The U.S. auto market is flashing warning signs.
Rising delinquencies, tighter credit, bloated inventories, and affordability pressure are reshaping both new and used car demand.
Zach Shefska from CarEdge breaks down what’s really happening under the hood, and whether the car market could trigger the next credit shock as we head toward 2026.
#AutoLoans #UsedCars #economy
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👨💼 Guest: Zach Shefska
🏢 Company: CarEdge.com
🌎 https://caredge.com/
𝕏 @shefska
📺 @ZachShefska1 @CarEdge @CarEdgeLive
📅 Recording date: December 16th, 2025
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Timestamps (AI generated)
00:00 Intro – Why the Car Market Matters
00:56 Welcoming Zach Shefska (CarEdge)
01:12 Affordability Crisis in New & Used Cars
02:08 Inventory Surge & Weak Consumer Demand
03:52 Are Car Prices Really Falling?
05:23 Auto Loan Delinquencies & Repos Risk
07:12 Is This the Next Subprime Crisis?
08:37 Interest Rates, Incentives & 0% Financing
10:22 Government Policy, Tariffs & Small Cars
12:26 EVs vs Hybrids: What Actually Sells
14:25 2026 Outlook: Tariffs, Prices & Dealers
15:53 How to Negotiate a Car Deal (3 Rules)
18:00 Monthly Payments, Loan Lengths & Risk
20:20 Reliability, Recalls & Long-Term Debt
22:07 New Models & Global Auto Reset
25:06 Final Thoughts on Credit Risk & Autos
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#MacroEconomics #AutoIndustry #CarAffordability #soarfinancially
