Lenders have already seen lenders kind of tighten their standards so you know if you want to go out and get any sort of an auto loan it might be harder for you to do so these days. Almost 16% of some of almost 16% of consumers surveyed in a recent poll were paying more than $1,000 a month on their on their car payments. And I think that for the average for the number of trade-ins that had negative equity associated with them it was reaching like an average of $5,500.

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