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I build the software dealerships use to post to Facebook Marketplace, and the hike sent me into our data. Most coverage is about buyers: Kelley Blue Book puts it at about $4 a month on the average used payment. You feel it first on the floorplan.
Prime went from 6.75% to 7.00% on Sept 17, the first hike since July 2023, and SOFR jumped 23 basis points the same day. OPENLANE's 10-K says AFC prices floorplan at prime plus a margin, so on a prime-based line the meter moved that morning. The Fed projects one more hike by year end.
Math, assuming prime plus 2 (9.00% now, 8.75% before), on the $28,295 median ask across 10,823 priced units our dealers posted:
Before: $6.783 a day
Now: $6.977 a day
The hike alone: $0.194 a day, $5.81 per 30 days
Arguing against myself: 19 cents a day won't sink anyone, and you floor at what you paid, which is below ask, so this overstates your principal. The hike raises the price of every day a car sits. A 60-day unit runs about $419 in interest, and the 10-K puts the due date at sale or after a set period, generally 30 to 90 days.
Two places I watch days leak:
1. Price changes. 22.6% of our listings (2,443 of 10,798) changed price after going live. A cut that hits the DMS on day 30 and the ad on day 37 is a week at a number you already rejected, about $49.
2. Posting day. Over 90 days and 17,778 posts, Thursday had 3,118 and Sunday had 956, 3.3x. Our dealers post mostly on weekdays, so a unit that clears recon Friday afternoon can wait two or three days for an ad: $14 to $21 on a car no Marketplace shopper can see.
One move this week: pull every unit over 30 days and put the DMS price next to the live Marketplace price. Every mismatch is days paid on a price you already abandoned.
Full disclosure, I build software for this, so weigh accordingly. Ours, AutoLander, pushes feed price changes to the live listing and pulls sold units. A spreadsheet and 20 minutes shows the same gap.
The numbers above are from our 2026 report: Facebook Marketplace Used-Car Report 2026 | AutoLander
Posting-day breakdown: Best Time to Post on Facebook Marketplace: 2026 Car Data
Did your lender pass the full 25 through, and what are you paying over prime on used?
Prime went from 6.75% to 7.00% on Sept 17, the first hike since July 2023, and SOFR jumped 23 basis points the same day. OPENLANE's 10-K says AFC prices floorplan at prime plus a margin, so on a prime-based line the meter moved that morning. The Fed projects one more hike by year end.
Math, assuming prime plus 2 (9.00% now, 8.75% before), on the $28,295 median ask across 10,823 priced units our dealers posted:
Before: $6.783 a day
Now: $6.977 a day
The hike alone: $0.194 a day, $5.81 per 30 days
Arguing against myself: 19 cents a day won't sink anyone, and you floor at what you paid, which is below ask, so this overstates your principal. The hike raises the price of every day a car sits. A 60-day unit runs about $419 in interest, and the 10-K puts the due date at sale or after a set period, generally 30 to 90 days.
Two places I watch days leak:
1. Price changes. 22.6% of our listings (2,443 of 10,798) changed price after going live. A cut that hits the DMS on day 30 and the ad on day 37 is a week at a number you already rejected, about $49.
2. Posting day. Over 90 days and 17,778 posts, Thursday had 3,118 and Sunday had 956, 3.3x. Our dealers post mostly on weekdays, so a unit that clears recon Friday afternoon can wait two or three days for an ad: $14 to $21 on a car no Marketplace shopper can see.
One move this week: pull every unit over 30 days and put the DMS price next to the live Marketplace price. Every mismatch is days paid on a price you already abandoned.
Full disclosure, I build software for this, so weigh accordingly. Ours, AutoLander, pushes feed price changes to the live listing and pulls sold units. A spreadsheet and 20 minutes shows the same gap.
The numbers above are from our 2026 report: Facebook Marketplace Used-Car Report 2026 | AutoLander
Posting-day breakdown: Best Time to Post on Facebook Marketplace: 2026 Car Data
Did your lender pass the full 25 through, and what are you paying over prime on used?
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