Subprime vehicle owners or lessees who fall behind on payments or stop making them all together now will have another fear besides the repo man. New gadgets now allow car dealers to remotely disable the vehicle with a kill switch and they will have to catch up on the payments before they can enjoy their ride. Roughly a fourth of all auto loans are made to borrowers with a credit score of 640 or below. Historically, that category has proved to be the most prone to defaulting on loans or leases. The new kill switch being used by banks, credit unions and other lenders will be another powerful incentive to keep payments current.

Read more about the latest trend in keeping auto loan payments current in the New York Times.