REM sleep happens when you are deeply asleep, so you should be able to sleep without being disturbed for at least a few hours, since it may take that long. Although it can hap â¦ pen faster. Sondrahail
More alarmingly, Experian data show 27.5% of car shoppers are signing loans for between 73 and 84 months â thatâs from six to seven years, folks, and that category grew 17.1% from the previous year. âTo close the deal, [car dealers] need to offer a payment that is comfortable,â Weintraub says.
If your car payment is more than 30 days overdue, the lender will report it as a late payment on your credit report. A single late payment report can lower your credit score by 100 points. Considering that the average credit score is 692, according to myFICO.com, thatâs a significant drop.