Edmunds data shows new-car loan rates have been falling, but higher vehicle prices are pushing monthly payments higher.

Edmunds reports record monthly car payments in Q4 2025: over 20 percent of new-car buyers pay $1,000+, with 84-month loans becoming commonplace.

In the fourth quarter of 2025, 20.3% of new‑car shoppers agreed to monthly payments topping $1,000 — the highest share ever recorded.

Across the country, shoppers walking into showrooms are discovering that the sticker price is only […] ...

The total shelled out on average for new vehicles also has hit an all-time high, with customers financing $43,759 and paying ...

New car owners are facing record prices at a time when the overall cost of living is becoming harder to manage. According to ...

Consider strategies like refinancing, selling your car and asking your lender for flexibility when trying to reduce your car payment Written By Written by Staff Loans Writer, Buy Side Emily Sherman is ...

While the majority of drivers still finance their vehicle with a loan, a share of drivers in the U.S. choose to lease. Leasing can have a few advantages over buying, such as more manageable payments ...

Edmunds is reporting record high new-car-financing amounts in the fourth quarter of 2025. According to the latest analysis ...

Paying extra on the principal won’t lower your monthly car payment, but it does provide other benefits. Many, or all, of the products featured on this page are from our advertising partners who ...