"Some of the loans that are being given out are given out to people who probably can't afford to take out that loan," Rusch said. "[They] will not be able to repay that loan over time."
The U.S. Federal Reserve Board says the number of families missing car payments is rising, and "...there are now more subprime auto loan borrowers than ever, and thus a larger group of borrowers at high risk of delinquency."
https://www.nbcbayarea.com/news/local/Driving-Into-Debt-Americans-Owe-12-Trillion-on-Auto-Loans-513456481.html