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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

Full-size trucks are the best and worst vehicles in America

You don’t need me to tell you that Americans love pickup trucks. And the bigger the truck, the more likely it seems to be seen as an object of desire. Monthly and yearly sales charts are something of a broken record; track one is the Ford F-Series, followed by the Chevy Silverado, RamÂ’s line of haulers, and somewhere not far down the line, the GMC Sierra. The big Japanese players fall in place a bit further below — not that thereÂ’s anything wrong with a hundred thousand Toyota Tundra sales — and one-size-smaller trucks like the Toyota Tacoma, Ford Ranger and Chevy Colorado have proven awfully popular, too. Along with their sales numbers, the average cost of new trucks has similarly been on the rise. Now, I donÂ’t pretend to have the right to tell people what they should or shouldnÂ’t buy with their own money. But I just canÂ’t wrap my head around why a growing number of Americans are choosing to spend huge sums of money on super luxurious pickup trucks. Let me first say I do understand the appeal. People like nice things, after all. I know I do. I myself am willing to spend way more than the average American on all sorts of discretionary things, from wine and liquor to cameras and lenses. IÂ’ve even spent my own money on vehicles that I donÂ’t need but want anyway. A certain vintage VW camper van certainly qualifies. I also currently own a big, inefficient SUV with a 454-cubic-inch big block V8. So if your answer to the question IÂ’m posing here is that youÂ’re willing to pay the better part of a hundred grand on a chromed-out and leather-lined pickup simply because you want to, then by all means — not that you need my permission — go buy one. The part I donÂ’t understand is this: Why wouldn't you, as a rational person, rather split your garage in half? On one side would sit a nice car that is quiet, rides and handles equally well and gets above average fuel mileage. Maybe it has a few hundred gasoline-fueled horsepower, or heck, maybe itÂ’s electric. On the other side (or even outside) is parked a decent pickup truck. One that can tow 10,000 pounds, haul something near a ton in the bed, and has all the goodies most Americans want in their cars, like cruise control, power windows and locks, keyless entry, and a decent infotainment screen.

2019 Ram 1500 Review and Buying Guide | Excellence at all price points

Quite simply, the 2019 Ram 1500 is our favorite full-size pickup. From its most basic Tradesman trim to the fanciest Limited and everything in between, we're enamored with its well-rounded, well-executed and generally thoughtful range of talents. It nails all the hard-working truck necessities, while going several steps further with such things as a class-best ride, clever interior storage, attractive cabin design and many unique features. It's not offered with the breadth of powertrain offerings as rival trucks, but the eTorque mild hybrid system standard with its V6 and optional with the Hemi V8 at least improves fuel economy and refinement. If you're looking for a new pickup, the Ram 1500 is a must-drive. What's new for 2019? The Ram 1500 was completely redesigned for 2019, although the previous generation truck is still sold under the name Ram 1500 Classic. Essentially, the new Ram builds on that otherwise excellent predecessor by adding refinement, innovation and mechanical improvements. You can read about them more in-depth in our 2019 Ram 1500 First Drive Review. 2019 Ram 1500 Interior View 56 Photos What's the interior and in-car technology like? It's easy to be smitten by the Ram 1500 in its fanciest Longhorn and Limited trim levels, which are bedecked in soft leather, special color schemes and unique styling elements like the Longhorn emblem literally branded into real wood trim. There are unique features like the huge vertically oriented touchscreen and the ventilated reclining back seat. It's easily the most luxurious pickup ever made. Crucially, however, we are actually more impressed by the basic Ram 1500 Tradesman and Big Horn trim levels. While the quality of plastics is typical for the segment (that goes for those ritzy Rams, too), the different textures and attractive design result in a cabin that looks and feels better than trucks that cost a comparable amount or more. For instance, the rich gray cloth upholstery in a Big Horn test truck contributed to a far more premium environment than the one found in a leather-lined 2019 Chevy Silverado. The Ram doesn't just impress aesthetically. The five-passenger model's center console features the sort of clever, multi-configuration storage solutions normally possessed by Hondas. Abundant thought was clearly put into how people might use this space – it's not just some cupholders and a pair of differently sized bins.