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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

2019 Ram 1500 gets vertical touchscreen infotainment system

Truck buyers have grown to expect more than class-leading payload, towing, and torque figures. Today's pickups entice buyers with roomy cabins, luxurious interior materials, and the latest technologies that automakers have to offer. In the case of Ram, that includes FCA's well-regarded UConnect infotainment system. And judging by this latest set of spy shots, the 2019 Ram 1500's UConnect 4.0 package will include an inverted LCD screen. Vertical-oriented touchscreens are already available in certain Tesla, Volvo, and Toyota Prius Prime models, but this is the first such system we've seen in a pickup truck. The tall screen is flanked by hard buttons – some of which duplicate on-screen climate controls – and an additional set of software buttons appear at the bottom. Toggle switches below the screen include an option to manually raise and lower the Ram's air suspension setup. And finally, two dials remain for audio volume and tuning functions. A look at the 2019 Ram 1500's key fob shows that it, too, will get buttons to adjust the truck's ride height. That should make it easier to bring the pickup closer to the ground for entry and to load the bed, even from outside the cabin. We expect to see the Ram 1500 to debut in production spec at the Detroit Auto Show in January of 2018. Related Video: Featured Gallery 2019 Ram 1500 interior: Spy Shots Image Credit: Brian Williams Spy Photos RAM Technology Infotainment Truck

2019 Ram 1500 North Edition is bundled up for winter

The 2019 Ram 1500 North Edition combines a host of features into a special edition meant to keep the abominable winter at bay. Based on the Big Horn trim, which sits just above the base Tradesman, Ram says the North Edition is "geared toward truck owners who need more capability and warmth on their frozen drive." The means 4x4 only, with your choice of crew cab or quad cab, 5'7" bed or 6'4" bed, and either the 3.6-liter Pentastar eTorque or or the 5.7-liter Hemi V-8 with or without eTorque. To that canvas, Ram adds some of the features from the Off-Road package, including heavy duty shocks with a one-inch lift, locking rear axle, and tow hooks. Weapons against the cold include an engine block heater, and Level 2 Package options like heated seats and steering wheel, heated and folding mirrors, and remote start for pre-warming the cabin. There are individual extras, like the 12-way power driver's seat with four-way lumbar support, instead of the eight-way seat normally part of the Level 2 package. Snow service-rated, three-peak mountain snowflake (3PMSF) Falken LT tires toil outside to keep the rubber on the road; the standard Off-Road package uses Falken All-Terrains (AT3WA). Mopar floor mats toil inside to keep slush and grime from spoiling a good time. A monochromatic appearance package paints all the exterior trim pieces one hue. One splash of contrast comes with the 4x4 decal along the flanks, the other is what looks like a set of 20-inch, six-spoke wheels. The Ram press release didn't mention the special rims, but on the configurator, when we clicked the 20-Inch x 9.0 Aluminum Chrome-Clad Wheels, we were forced to add the North Edition package. As of writing, the configurator pricing appears to be at odds with the MSRP stated in the press release. Start with the $41,490 Ram 1500 Big Horn 4x4 on the build site, add the North Edition package, and the price shows as $45,285 before a $1,695 destination charge. Ram says the truck is available at dealers now, but lists an MSRP of $45,890 before destination. There's a $605 difference between the two numbers. The build site doesn't pre-select the 20-inch wheels with the North Edition package, though. Normally a $1,595 option, adding the wheels to the build raises the price by $200, to $45,285, leaving a $405 difference. Point being, assume the dealer will start the bargaining with the $45,890 price.