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The biggest monthly expense for many people such as Americans. Often can be financial traps for poorer people, as predatory car loan companies have been charged with collaborating with sleazy car dealers to increase loan principals. (The total loan amount) Car loans often start off "cheap" to pay but monthly and finally increase to an astronomical cost for the buyer, often higher than what the car is worth. Also, people may have their car stolen or totaled, or lack insurance and without gap insurance they still have to pay the loan. Finally, car loans are a very common reason for people's cars to be repo'ed/impounded.
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