Average New Car Loan Payment Hits $767 Monthly as 19% of Buyers Pay $1,000 or More
By
David Beren
Summary
Experian's State of the Automotive Finance Market report reveals that the average monthly payment on a new car loan in the US reached $767 in Q4 2025, with 19% of new car buyers now paying $1,000 or more per month. The article examines how rising auto loan payments, longer loan terms, and increasing delinquencies are straining borrowers, while also noting that wages have not kept pace with vehicle price inflation. The data signals growing financial pressure on American car buyers and potential trouble for the broader auto finance market.
Source
bskyAverage New Car Loan Payment Hits $767 Monthly as 19% of Buyers Pay $1,000 or More247wallst.comKey quotes
· 3 pulledThe average monthly payment on a new car loan in America reached $767 in the fourth quarter of 2025, according to Experian's State of the Automotive Finance Market report.
That is a very high number, and it helps explain why analysts are treating auto finance as a growing strain on borrowers.
The broader data on delinquencies, loan terms, and wages show why.
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