Why Used Car Prices Are Falling But Your Car Loan Isnt

In this episode of Inflation Explained with Fexingo, Lucas and Luna examine a strange disconnect in the auto market: used car prices are dropping for the first time in two years, yet auto loan rates and insurance premiums keep climbing. With the Fed funds rate still at 3.63 percent and CPI sitting at 334, Lucas uses the latest data to explain why falling wholesale values at Manheim auctions haven't translated into lower monthly payments for drivers. He breaks down how the interest rate environment, tightening lending standards, and repair-cost inflation are creating a squeeze that used-car deflation can't fix. Luna pushes back on whether the Fed's holding pattern is actually making things worse for borrowers. If you're confused by why 'prices are down' but your bill is up, this episode offers the math behind the frustration. #UsedCars #AutoLoans #CarInsurance #Inflation #Fed #InterestRates #CPI #Manheim #AutoMarket #CostOfLiving #CarPrices #LoanRates #Economics #InflationExplained #FexingoBusiness #BusinessPodcast #PersonalFinance #FedPolicy Keep every episode free: buymeacoffee.com/fexingo