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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 4x4 Suspension Deep Dive

What is taking everyone so long? That’s what I continually ask myself each time yet another all-new full-size pickup comes out with leaf spring rear suspension. Meanwhile, this 2020 Ram 1500 pickup represents a dozen years since coil spring rear suspension debuted when its prior generation was still being called a Dodge Ram 1500. Ford, Chevrolet, Toyota and Nissan introduced full redesigns of their pickups well after Ram proved that coil springs were the way to go, and yet leaf springs persist with the competition. IÂ’m not just popping off, here. In the 1990s I used to specialize in pickup truck suspension tuning for the Toyota Technical Center. Leaf springs are crude and loaded with compromises, but thatÂ’s all that truck design engineers ever gave us to work with. I was instantly all-in on RamÂ’s move to rear coils after the first few miles of driving a 2009 Ram 1500 pickup. Empty-bed ride comfort and handling were on another level, but it could still tow and haul. In fact, towing stability proved to be frankly incredible on the normally-treacherous downhill leg of my winding tow test grade. I fully expected everyone would copy it immediately. But they didnÂ’t. Others may have doubted the payload aspects. Ram never did. It soon doubled down and put coils under the back of its 2014 2500-series trucks. IÂ’ve developed other theories that seek to explain why no one followed their lead, but theyÂ’re not worth dredging up because I think the dominoes will soon begin to fall. Spy photos suggest that the next Toyota Tundra will switch to coils, and there are rumors that the Ford Raptor is going that way. ThatÂ’s not much of a stretch because the Ranger Raptor (only available outside the U.S.) already has coil spring rear suspension. WhatÂ’s the big deal? LetÂ’s take a look at the underside of a 2020 Ram 1500 Laramie 4x4, the second iteration of the Ram 1500 to employ coil spring rear suspension.   As it has for some time, the front end of the Ram 1500 rides on double wishbone suspension. The truck employs a high-mount upper wishbone (yellow arrow) that positions the upper ball joint up behind the tire sidewall instead of inside the wheelÂ’s barrel. This layout offers improved steering geometry and reduced stress in the upper ball joint, the upper control arm and its mounting points.   Coil-over spring/shock assemblies (green) come standard on all 2019+ (fifth-generation) Ram 1500 pickups whether they have four-wheel drive or not.

Watch the video that inspired Ram's Farmer Super Bowl commercial

Chrysler may have the Super Bowl's most popular commercial for a third year in a row. Eminem and Eastwood helped it earn that distinction the last two years, and while Oprah did the voiceover for this year's Jeep ad, it's Chrysler's other spot that's in the running for Most Valuable Ad after the big game this year.
So where did the Ram brand's commercial about farmers come from? As it turns out, the ad appears to be inspired, shall we say, by a video produced by Farms.com that was uploaded to YouTube in June, 2011. Greg Mitchell of The Nation pointed out the similarities between the two in an article published this morning. The video uses the same speech given by famed radio broadcaster Paul Harvey played over a slideshow of farming images. It's the same concept as Ram's ad, though the truck brand did go out and commission its own images shot by very well-known photographers for its version.
Did Ram steal the idea? That does not appear to be the case. A message left on the Farms.com YouTube video says "Farms.com is pleased to be working with Ram Trucks and support the 'Farmer' Super Bowl commercial." When you play the video, a link even pops up to watch Ram's version.