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3 minutes read. Published November 28th, 2022.
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ins and outs of securely using loans to buy the car they want.







Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing clear, well-researched information that is broken down into complicated subjects into digestible pieces.









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As the Christmas season is approaching, the final thing you should consider is the recession that is expected to arrive over the next year. However, not all ignorance is bliss. The rising rate of inflation and the upcoming recession will affect all aspects that affect the economic. This includes car buying as new vehicles are expected to be available coming out in October, as per Kelley Blue Book. If you're like the that are concerned about the current recession, being patient could help you save money. Rather than gifting the car with a large bow this holiday season -whether to yourself or someone else -- consider where prices stand and what you can do to prepare for future . Statistics on recession preparedness Unfortunately, the season of giving is known for spending too much -- many times resulting in consumers spending more than they can afford. A recent study found that 27 percent of consumers admit to straining their budget to pay for gifts for the holidays. And if consumers stay on trend with spending this year so far it is possible that issues will arise. In the month of March 2022, even with inflation at 8.5 percent, people spent more more than two years earlier, according to an McKinsey study. The majority of Americans believe that inflation will rise in the next year than it is today. Car loan balances are at November 2022. The monthly average payment for new cars during the 2nd quarter 2022 period was $667. The median monthly payment for used vehicles in the second quarter 2022 was $515. New vehicle sales dropped from over 16.9 million in 2005 to during the recession. 41 percent of Americans don't feel ready to face a recession if one were to happen before the end of 2023. 38.22 percent of Americans financed new vehicles in the 2nd quarter in 2022.


Holiday shopping statistics A lot of holiday shoppers fall into the trap of looking for the perfect gift, which could result in spending more than they budgeted for and even straining finances. Some shoppers this year though are opting for a different route, with three out of five choosing to spend less, according to . This is a wise decision considering that the price of a consumer index stood at 298.1 in November's mid-point, an increase from 274.1 last year. Whatever the reason behind tightening your wallet this winter, now is a vital moment to think about the impact of spending too much on every aspect of your financial health. 40% of consumers believe that inflation could alter the way they spend their money this year. There are nearly 30 percent better used vehicle bargains in January. 84 percent of shoppers will employ money-saving tactics during the holiday season. This winter, there is a rise in the number of people who purchase luxury vehicles and sports cars. 27 percent of holiday shoppers acknowledge feeling budget stressed during the holiday time of the year. The majority of people will buy fewer items this season.


How to prepare for a recession in 2023 The drivers of 2008 were dealt a similar hand The predicted recession of 2023 carries many factors that the drivers of 13 years ago did not need to think about. Most importantly, there are the ongoing supply chain issues which continue to increase the cost of vehicles. Due to stock limitations it is likely that you won't be able to take advantage of many of the specials that drivers of 2008 were offered. However, there are certain ways to plan when it comes to your personal finances and car purchases. Take note of these tips to help you save money during the recession. 1. Buy only the most affordable car you can afford. The primary way to ensure that you don't end up in a financial cliff spot when buying a car is to purchase only the amount you can afford. Consider this number while also factoring in that will build throughout ownership -- like trips to the mechanic or filling up at the pump. 2. Create an emergency fund Experts suggest that you be able to cover 3 to 6 months of expenses. But the cost of pennies isn't always as low and it's best to begin saving as soon as possible. Even better, consider starting your emergency fund in the form of a -- that you will earn interest on. 3. While buying an electric vehicle can have an upfront price however, they will cost less throughout the duration of vehicle ownership. Fewer trips to the gas pump could add up to thousands of dollars, so you should consider a if driving an EV is within your budget and your lifestyle. 4. Be cautious when it comes to a long-term loan While it can be attractive, it is also accompanied by some risk. While signing up for an extension loan could mean that your monthly expenses are less however, this doesn't mean that you'll pay less altogether In fact it's the reverse. A longer-term loan will spread the amount you have to pay over a longer period, meaning there's longer time to accrue interest. accrue. 5. Request loan preapproval While not all lenders provide the option of applying for a loan , it is one of the most efficient ways to know the financial impact of your vehicle ownership upfront. Loan preapproval is simply a way to ensure that you are able to lock in the expected monthly cost before signing the contract. By doing this you can know if the vehicle you're looking at will be within your budget. 6. Refinance your vehicle if your loan is putting you over the budget of yours, then you might consider refinancing your current vehicle to cut down on your monthly expenses. This is particularly the case in the event that your credit score improved since you received your loan or if you initially agreed with the dealer.


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ins and outs of securely borrowing money to purchase an automobile.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain the confidence to take control of their finances by providing precise, well-researched and well-structured facts that break down complicated topics into bite-sized pieces.






Auto loans editor




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