this post was submitted on 26 Jun 2025
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Total car payments for a single family? Cars or trucks? Does Texas just have reeealy bad loan rates? (Sure, I would like to say that the difference is because of oversized trucks, but reality is sometimes surprising.)
I can confirm places like Texas and Florida have much worse auto loan rates due to higher delinquencies. Northern states have better rates.
Bad credit and poor decisions. Texas has a lot of army bases and it's a pretty well established stereotype that 18-22 year olds fresh out of AIT make really poor decisions when it comes to car loans. Lots of Camaros challengers and mustangs at like 30%, then they get repossessed and sold to the next dumb kid.
Edit: added to the age range.
I'm going to guess that since "everything is bigger in Texas!", people feel the need to buy tanks with wheels, which tend to be on the more expensive end of the car spectum (outside of luxury and exotic vehicles).
Either way, fuck that. $120,000 pissed away in 10 years for a car (PLUS insurance, gas, repairs...). Don't people want to be able to afford housing?
It doesn't say anything on how much more than $1,000 is spent. If in state a 2 out of 10 people spend $1,001 a year and the other 9 out of then $999 while in state b 1 out of 10 spends $2,000 a month and the other 9 out of 10 spend $999 then the stats show the are twice as many expensive in state a while in reality the only expensive cars are in state b
Why do people not understand how statistical statements work so often? The graphic shows one thing. It shows the percentage of residents who pay more than $1,000 a month on their car payments. That's it. That's all it's claiming to show. That's all it's trying to show. That's all it's supposed to show. Getting mad that it doesn't show 20 other aspects is ridiculous.
Literally the first line of my comment is "it doesn't say anything on how much more than $1,000 is spent".
Not sure where you got the impression i'm mad about anything but ok.
This is all you really need to know about people's car payments:
https://www.youtube.com/shorts/gifYyVTHIfY
You can find this all over YT. It's insanity. For the record, my wife drives a 2019 Camry. I drive a 2012 Fiesta. Both paid off. I only have the Fiesta because my sister wanted to sell it and it was a good deal for the times where my wife and I both need to drive. We were a one-car family for a few years.