The median car payment is $0. ~75% of cars are bought used and according to Experian only 33.5% of those are financed. When adding 80% new cars financed you'r

The median car payment is $0. ~75% of cars are bought used and according to Experian only 33.5% of those are financed. When adding 80% new cars financed you're already under 50%. Then consider already paid off vehicles.