what is the duration of those loans? How many months? What is the amount financed?

WTF is the Afronomist? No sources cited, either.

Am I missing something?

Yes, you’re missing that your monthly payment is based on your credit score, which determines your interest rate. Interest rates are also much higher now than they were even just a couple years ago, even for buyers with great credit.

that likely has to do with VAT, tariffs, and fees based on engine power/size. America has basically none of those things.

It looks like OP posted this a few weeks ago with more context:

https://www.reddit.com/r/whatcarshouldIbuy/comments/17jizkj/is_this_a_ripoff/

I’m a car guy

…and you’re buying a Camry?

troll