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During the pandemic, it became commonplace for dealerships to charge extreme markups on vehicles, ranging from a few thousand to over $100,000 above the sticker price. Initially, this trend was responsive to the COVID-19-induced supply chain crisis, where inventory dwindled due to semiconductor shortages and shipping delays. However, despite an apparent normalization in inventory levels, the repercussions of these inflated prices are still severely impacting consumers. While many people rushed to finance their new cars during this period of financial madness, an alarming number are now discovering they are “underwater,” owing significantly more on their loans than their cars are worth.