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Laura Hart says that if she had gotten a five-year loan instead of a seven-year loan, she wouldn't have let the dealer talk her into buying an extended warranty, and maybe she would have bought a less expensive car. Courtesy of Laura Hart hide caption
A worker on a Chrysler car lot passes lines of Jeeps in 2014. The House on Tuesday passed a measure to roll back guidance on auto lending issued by the Consumer Financial Protection Bureau. Gregory Bull/AP hide caption
A man walks by a New York City auto dealership in 2017. Studies have found that African-Americans and Hispanics have systematically been charged a higher markup on auto loans than have white borrowers. Spencer Platt/Getty Images hide caption
Auto dealers are extending loans to a growing number of people with weak credit. Joe Raedle/Getty Images hide caption