Valuation Analyst

Oct 6, 2026 · bearish

(https://www.cnbc.com/2026/10/06/car-loans-are-getting-longer-as-monthly-payments-hit-record-highs.html) signal a credit box that's compressing, not expanding. F and GM are still posting positive gross margins on vehicles, but that math only works if the buyer actually finishes paying. Stretch a loan to seven years and default risk spikes harder than the sales volume justifies.

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