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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

2016 Chevrolet Malibu Hybrid Quick Spin [w/video]

If a Chevy Volt is like a hybrid that prefers its electric motor, then the new Malibu hybrid is like a Volt you never have to plug in. That's partly because you can't plug it in, but more because the Volt and the gas-electric Malibu share a lot of major components. Since we happen to like the newly refined Volt, that's good news for the larger family sedan. The shared parts include the blended braking system, A/C compressor, the auxiliary power module, and most of the hybrid transaxle (what you might call a fancy electro-transmission). In the Malibu, the electric motors use neodymium magnets for efficiency and power, while the Volt has weaker ferrite magnets to reduce drag, and the Volt also gets an extra clutch to lock out the engine. The two use different batteries, with their size, power capabilities, and chemistry suited to the task for each vehicle. Unlike most of the midsized sedan leaders, the Malibu has never had a full hybrid option. For a few years in the last generation, Chevy offered the Malibu Eco with a version of GM's eAssist mild-hybrid system, which featured a small motor-generator in place of an alternator hooked up to a bigger battery that could harvest energy during deceleration and add some back in when you hit the throttle; it also brought engine stop-start functionality to save a little more fuel. But it saved only a little fuel, so eAssist was nixed in favor of a more efficient four-cylinder with a standalone stop-start system. Driving Notes Mode switches between gas and electric are just as smooth as in the Volt. No shudder or weirdness in the throttle. It drives as much like a gas-only car as any midsized hybrid does. The blended braking system is also noticeably well sorted. There's no deadness in the pedal, no touchiness, and no artificial, wooden feeling when you step through the regen portion of its travel. There's nothing abrupt or jarring about any of the experience, and the Malibu's baked-in quietness helps to deal with noise from the somewhat coarse 1.8-liter gas engine. Engine startup and shutdown are noisy from outside, but much less noticeable from within. The 2016 Malibu is larger yet lighter. The hybrid weighs about 125 pounds more than a comparably equipped 1.5T. You don't notice the extra weight, but there is some space eaten out of the trunk by the battery.

Least reliable cars and trucks of 2022

Related: Most reliable cars and trucks of 2022   Every year, Consumer Reports ranks new cars based on their predicted reliability. We often see Toyota, Lexus, and a few other automakers near the top. But on the other side of the coin, the list of least reliable vehicles sometimes contains surprises.   The organization surveys its members to determine the vehicles that exhibited the most problems over the prior year. Owners are asked about creaks and rattles, the durability of parts and trim, and mechanical issues. Consumer Reports assigns a weight to each problem and then uses them to create a score, with 100 being the best. Some familiar names appear on the list of least reliable vehicles (in order with the lowest predicted reliability score at the top), but there are a few eyebrow-raising models, followed by CR's score: Ford F-150 Hybrid: 4 Hyundai Kona Electric: 5 Lincoln Aviator: 8 Nissan Sentra: 9 Ford Explorer: 16 Chevrolet Bolt: 17 Chevrolet Silverado 1500/GMC Sierra 1500: 19 Jeep Gladiator: 21 Mercedes-Benz GLE: 23 Jeep Wrangler: 24 Consumer Reports noted that sedans are the most reliable vehicle category and found that trucks are far lower on the list. That said, the survey showed that trucks from American brands tended to have better reliability scores, so it’s surprising to see GMÂ’s big two and the Ford F-150 on the list. Part of their problematic ownership experience could be due to the fact that all three trucks have received recent updates, and the Ford was completely redesigned for 2022. New tech, fresh drivetrain components, and other improvements can upset the balance of reliability and make newer models look less dependable than their older counterparts. Related video: Green Chevrolet Ford GMC Hyundai Jeep Lincoln Mercedes-Benz Nissan Car Buying Truck Crossover Hatchback SUV Electric Hybrid Sedan Consumer Reports reliability