Car repossessions are skyrocketing — and it’s not just because people can’t pay. The system is designed this way.
Automakers are winning, finance companies are bleeding, and consumers are paying the ultimate price.
I break down the real truth behind America’s car finance crisis.
This isn’t just another “people can’t afford cars” story — it’s a deep look inside the machine that drives automakers, banks, and dealerships to push cars people can’t realistically maintain.
Ford, GM, Toyota — all reported record profits in 2025. Yet, the finance divisions are drowning in bad loans as repossessions soar to decade highs.
Interest rates may have dipped, but the monthly payment trap is still crushing households across North America.

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