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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

2021 Ford F-150 Raptor vs. 2021 Ram 1500 TRX | How they compare on paper

Yep, the F-150 Raptor is back, though you'd be forgiven for not noticing that it ever left. Ford's off-road model is taking a few months off to accommodate the broader 2021 F-150 redesign from which it benefits. And the fine folks over at Ram took full advantage of that lull to launch the new 702-horsepower TRX, which in one big way (hint: it's the engine) stands at the top of the performance pickup heap. Ford says that's all going to change in 2022, but for now, the Raptor returns with a familiar 3.5-liter EcoBoost V6 (albeit with an unspecified power figure) along with several other revisions to Ford's tried-and-true formula. The 2020 Raptor was already a worthy adversary to the beefy Ram despite the latter's definitive power advantage, so how has that picture evolved for 2021? Let's take a look.    Powertrain This is a big question mark for the Ford right now, but it seems reasonable to expect a bit more than the outgoing model's 450 horsepower and 510 pound-feet of torque. The TRX's Hellcat-sourced powerplant needs no introduction. Its 702 horsepower will easily eclipse whatever Ford has planned for its 3.5-liter twin-turbo V6, even if the V6 has more grunt than it did before, but that's OK. It's not the base-model Raptor's job to dethrone the TRX in straight-line speed; that honor will go to the 2022 Raptor R. We also don't know what the Raptor's fuel economy will be like, but we suspect it will be better than the TRX's, if only slightly.  Both these trucks come with four-wheel-drive standard, and they both have a number of drive modes that alter the powertrain’s characteristics depending on the terrain. Baja mode transforms the trucks into the desert runners that they both are at heart, but theyÂ’re plenty capable of crawling around rocks, too. We wonÂ’t know for certain which is best at specific tasks until we can get them both on (or off) equal ground. Suspension / off-roading capability And the ground is where things narrow significantly, both on- and off-paper. The specs are freakishly similar when we compare ground clearance, approach/departure angles and water fording, but the Raptor's leapfrog here is clearly evident. Both trucks utilize a coil-sprung rear suspension now, with Ford having abandoned the Raptor's previous leaf-spring setup with the redesign.  The two use different shocks to handle 100-mph-plus desert running.

Ram Rebel X Concept wishes it could go offroad at SEMA [w/video]

Given the truck's defiant spirit, the Ram 1500 Rebel simply can't appear subdued. For the Rebel X Concept at the SEMA Show, Mopar goes all out to make the already tough looking pickup even more brash. The Rebel X certainly stands out in the vast ocean of customs at SEMA with its orange-tinted Copper paint. Thanks to 35-inch Toyo tires on 17-inch beadlock wheels underneath flared fenders, there's also no question that this truck wants to be offroad. In addition to the vibrant body, the front end wears black trim, and a concept, two-piece skid plate underneath offers a little visual contrast. The interior actually tones down the bold look slightly by combining black leather seats with Rebel X embroidery and Copper stitching. Rather than being just about style, Mopar beefs up the 5.7-liter V8 with a cold-air intake and cat-back exhaust. The division also tweaks the suspension by fitting a concept, air-ride setup. Get a better look at the Rebel X by checking out our gallery from SEMA above or the video below of the modded pickup at the show. Related Video: Ram Rebel X The Ram 1500 Rebel makes a statement by itself. Mopar helps proclaim its all-terrain credentials even louder with the Ram Rebel X, a full-size pickup outfitted with a catalog of production parts and accessories. The unique dark Copper exterior extends to the functional sport performance hood, accented with a Matte Black graphic trimmed with a Mopar Blue tracer. Mopar wheel flares extend over the 35-inch Toyo tires, which wrap around 17-inch cast-aluminum beadlock wheels that equip the 1500 Rebel for rumbles over off-road terrain. Painted functional beadlock rings with fasteners are also featured on the beadlock wheels, with Mopar center caps providing another highlight to the rims. The front features the distinctive Rebel grille with the RAM logo painted in Satin Black and a concept two-piece skid plate. The bed is stylishly secured with a soft tri-fold tonneau cover, and a Mopar dual exhaust bed step helps reach tools or equipment stored in the rear. Black tubular side steps provide a lift into the interior, which features prototype Katzkin leather seats embroidered with the Rebel X name outlined in silver in a black field, with a blue field for the "X." Copper stitching accents the armrest and steering wheel. Additional features inside include all-weather slush mats, a pedal kit and door sills.