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New auto loans could soon extend out to 84 months

Cars and trucks are more expensive than ever before. In order to boost sales and help consumers afford new vehicles, automakers are offering longer and longer terms for auto loans. This past week, Bloomberg reported that FCA's Ram Trucks division is currently offering the longest loans. Some stretch to 73 months. Jeep, Fiat and Chevy aren't far behind. More noteworthy is that we'll likely soon see lenders moving from 73-month to 84-month loans. That's seven years worth of interest. More than two-thirds of US auto sales come from light trucks like the Ford F-150, Chevy Silverado and Ram 1500. The average transaction price of a new vehicle is well over $30,000. It's not difficult to spec out a heavily-optioned truck up to $60,000. Vehicles depreciate from the moment they roll off a dealer lot, and these six or seven-year loans could hurt consumers and lenders both in the long run. The U.S. Senate voted last week to kill rules that would prevent discriminatory auto lending. These Obama-era guidelines were meant to curtail lenders who offered higher loans based on race, religion, sex or national origin. Related Video: News Source: Bloomberg Chevrolet Fiat RAM Car Buying car loan car values

2020 Ram 1500 Laramie Southwest Edition is a true-blue Texas truck

American pickup builders love celebrating the Southwest, and Ram is taking its latest stab at the "Texans love trucks" trope with the 2020 Ram 1500 Laramie Southwest Edition.  This is essentially an appearance and popular equipment package. Outside, the truck gets a body-colored grille surround, bumpers and mirror caps. A restrained smattering of chrome accents rounds out the look, adding a touch of class without getting too glare-heavy.  Inside, it's essentially a Laramie. Standard equipment includes a 12-inch touchscreen with the latest Uconnect infotainment suite, a panoramic sunroof, remote tailgate release, rain-sensing wipers and an electric trailer brake controller.  “For nearly 20 years, Ram has recognized that Texas and AmericaÂ’s Southwest are the center of the truck universe,” said Mike Koval, Ad Interim Head of Ram Brand, FCA - North America. “Ram was the first manufacturer to offer a Texas-exclusive model, and the Lone Star edition remains our most popular truck in Texas. Our new Ram Laramie Southwest Edition adds the segmentÂ’s best combination of performance, capability, luxury and technology.” Ram says the Southwest Edition can be had with any of the Laramie's existing powertrain configurations, in both Quad- and Crew Cab bodies, and with both the 5'7" and 6'4" bed lengths. The starting price is $47,075 including destination.  The 2020 Ram 1500 Laramie Southwest Edition is a "Texas Edition" by another name, and will be sold exclusively in the Lone Star State and its immediate neighbors. Look for the first models to arrive in dealers in the coming months, as FCA will put it into production in the second quarter.  Featured Gallery 2020 Ram 1500 Laramie Southwest Edition RAM Truck

2019 Ram 1500 eTorque fuel mileage numbers released [UPDATED]

UPDATE: A previous version of this story said that the Ram 1500 with the 3.6-liter V6 and eTorque was the most fuel efficient gasoline-powered truck in America. The 2018 Ford F-150 powered by the 2.7-liter EcoBoost V6 engine has ratings as high as 20 city, 26 highway, and 22 combined, which is 1 mpg better on the highway than Ram's six-cylinder eTorque. According to the EPA, the 2019 Ram 1500, when equipped with the 3.6-liter V6 engine and the brand's new eTorque technology, delivers 20 miles per gallon in the city, 25 on the highway and 22 combined in rear-wheel-drive form. Adding four-wheel drive drops those figures to 19/24/21. Those are big improvements over last year's Ram, which had a max efficiency rating of 17/25/20 without the eTorque system. By way of comparison, a 2018 Ford F-150 with the 3.3-liter V6 is rated at 19/25/22. That's down a single mile per gallon in the city but is otherwise a match for the Ram. The most efficient truck from Chevrolet currently rated by the EPA is the 2018 edition with GM's long-running 4.3-liter V6 at 18/24/20. There's a good chance Chevy's upcoming 2.7-liter turbocharged four-cylinder will take the efficiency crown, but it's not yet available. Ram also offers its eTorque technology on its Hemi V8-powered 1500. The EPA rates the two-wheel-drive V8 at 17/23/19 with eTorque (down one mpg on the highway with four-wheel drive). That's a meaningful gain of two miles per gallon combined over the standard non-eTorque Hemi offering. Ram's eTorque system replaces the trucks' standard alternator with a 10-horsepower electric motor and includes a 48-volt lithium-ion battery pack in addition to the standard lead acid battery. We took an eTorque Ram out for a quick spin and found that the technology makes for a truck that's nicer to drive, with the small electric motor working to make gearshifts feel smooth and refined. And now that we know it provides a real boost in fuel efficiency, it seems eTorque could be a big win for Ram. Related Video: This content is hosted by a third party. To view it, please update your privacy preferences. Manage Settings.