So much attention has been given to the meltdown of the mortgage market over the past year or so that 2 other credit markets not far behind, have been little talked about.
The first is the credit card market where people have been racking up debt that they can't afford and now the credit card companies are moving interest rates up and lowering your minimums without warning, sometimes under what you actually owe. And the 3rd market that about to fall apart is the auto market. People are having a harder and harder time getting loans and leases to buy a car. People with good jobs and good credit, even.
I mean, who actually pays cash for a car in full? Not many. So, with people not able to get a loan or lease and the credit crunch, people are going to be forced to pay cash for a car.
If public transportation isn't an option, then a car is a necessity. I predict the rise of the $5k used car market. Cars that are in the $5k range will be flying off the used car lots. If people can't finance and most average Americans don't have a great deal of savings, they can scrape together $5k to buy a car. The risk is that it will require thousands of dollars of work in the subsequent years because it is most likely an older car with high mileage.
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