96-Month Car Loans Aren’t Crazy Anymore! Auto News Breakdown
About this episode
Vehicle affordability is becoming a pressing issue as more buyers are resorting to long loan terms, with some stretching up to 100 months. This trend is driven by high average transaction prices and monthly payments exceeding $700. The episode also covers significant recalls from Hyundai, Ford, and Toyota, highlighting safety concerns and the complexities of modern vehicle systems. Additionally, new affordable models from Kia and Nissan are discussed, showcasing a shift towards value-focused sedans and hybrids. Jim wraps up with a review of the 2026 Mazda CX90 Turbo S Premium Plus.
96-month car loans are no longer shocking — they’re becoming normal. As vehicle prices stay high and monthly payments climb, more buyers are being pushed into longer and longer loan terms just to afford a new car.
This week on Weekly Wheelhouse, I break down what’s driving the auto affordability crunch, why 84- and 96-month loans are spreading, and what it really means for buyers long-term. We also cover major U.S. automotive news, including Toyota hybrid recalls, safety investigations, and how software complexity is reshaping reliability.
In Segment 2, we look at new 2026 vehicle pricing and updates from Kia, Honda, and Nissan, including the all-new Kia K4 sedan and hatchback, the refreshed Nissan Pathfinder, and a tech update for the Honda Accord.
I’ll also wrap things up with my latest vehicle review — the 2026 Mazda CX-90 Turbo S Premium Plus — and an update on what I’ve been driving recently.
Weekly Wheelhouse breaks down the biggest U.S. auto stories clearly, factually, and without hype — so you can make smarter car-buying decisions.
Last Weeks's Weekly Wheelhouse - https://youtu.be/ovTb0rd_Jtw?si=PFp_cv_6T2B20vNK
2026 Mazda CX-90 Review - https://youtu.be/xCzfeKJscUA?si=08WWy4RP0qpkZJ15
monthly payments
"...monthly payments for buyers are now $700 to $800 or even more. To make those payments look manageable..."
Monthly payments are what you pay every month when you buy a car on credit. It's like paying for a subscription, but for your car instead.
Monthly payments refer to the amount of money a buyer pays each month to finance a vehicle. These payments are typically calculated based on the vehicle's price, loan term, and interest rate.
loan terms
"...dealers are increasingly extending loan terms instead of lowering prices. The problem is what happens long term."
Loan terms are the rules about how long you have to pay back the money you borrowed to buy a car. Longer terms mean smaller monthly payments, but you might pay more in the end.
Loan terms refer to the duration and conditions of a loan agreement, including how long the borrower has to repay the loan and the interest rate. Longer loan terms can lead to lower monthly payments but higher total interest paid.
upside down
"...a much bigger chance of being upside down if you trade in the vehicle early. This trend is one of the main reasons..."
Being upside down means you owe more money on your car than it's worth. If you try to sell it, you won't get enough money to pay off your loan.
Being upside down on a vehicle loan means owing more on the loan than the vehicle is currently worth. This situation can occur if the vehicle depreciates faster than the loan is paid down.
compact cars
"...we're seeing renewed interest in lower price sedans, compact cars, and value focused trims heading into 2026. Next up, Hyundai and Kia..."
Compact cars are smaller cars that are usually cheaper to buy and run. They are great for saving money on gas and are easier to park.
Compact cars are smaller vehicles designed to be efficient and economical, often offering good fuel economy and lower costs. They are popular among budget-conscious buyers.
engine immobilizer
"Owners of the affected models may qualify for software updates, free immobilizer installations, or financial compensation depending on the vehicle. The issue gained national attention after social media videos showed how easily certain models could be stolen."
An engine immobilizer is a system that stops your car from starting if the right key isn't used. It's like a lock that keeps thieves from driving away with your car.
An engine immobilizer is a security device that prevents the engine from starting unless the correct key or fob is used. This technology is designed to deter vehicle theft by making it difficult for unauthorized users to start the vehicle.
resale value
"The fallout included higher insurance rates, coverage denials, and reduced resale values for some owners. While the fixes help, this story is a reminder that basic security hardware still matters."
Resale value is how much money you can get if you sell your car later. Things like how well the car is kept and if there are any problems can change this amount.
Resale value refers to the amount of money a vehicle can be sold for after its initial purchase. Factors affecting resale value include the car's condition, mileage, market demand, and any issues such as recalls or security concerns.
Ford
"Ford is back in the headlines again with another major recall."
Ford is a well-known car company that makes many types of vehicles, like trucks and SUVs.
Ford is a major American automotive manufacturer known for producing a wide range of vehicles, including cars, trucks, and SUVs.
recall
"Ford is back in the headlines again with another major recall."
A recall happens when a car company finds a problem with their cars and asks owners to bring them in for repairs to keep them safe.
A recall is an action taken by a manufacturer to address safety issues or defects in vehicles, requiring owners to bring their vehicles in for repairs or fixes.
electronic park system
"This one affects roughly 270,000 vehicles including gas models, hybrids, and EVs due to a problem with the electronic park system."
The electronic park system helps keep the car from rolling away when it's parked by using electronic controls instead of a traditional lever.
The electronic park system is a feature in modern vehicles that uses electronic controls to engage the parking mechanism, ensuring the vehicle stays stationary when parked.
dealer inspection
"The fix involves a software update and dealer inspection."
A dealer inspection is when a trained mechanic at a car dealership checks your car to make sure everything is working safely and properly.
A dealer inspection is a thorough check performed by a certified technician at a dealership to ensure that a vehicle is functioning correctly and meets safety standards.
software update
"The fix involves a software update and dealer inspection."
A software update is like getting a new version of an app on your phone; it helps fix problems and improve how the car works.
A software update is a process that improves or fixes issues in a vehicle's electronic systems, often delivered through a dealer or over-the-air.
emergency door release system
"...specifically its emergency door release system. The investigation centers on whether the mechanical emergency releases are intuitive and visible enough..."
This system helps people get out of the car quickly if there's an emergency. It's important that it's easy to find and use, especially for people who don't know the car well.
The emergency door release system is a mechanism that allows passengers to exit the vehicle quickly in case of an emergency. It is crucial for safety, especially for those unfamiliar with the vehicle's design.
Tesla Model 3
"...specifically its emergency door release system. The investigation centers on whether the mechanical emergency releases are intuitive and visible enough..."
The Tesla Model 3 is a popular electric car that offers a lot of technology and safety features. It's designed to be more affordable than other Tesla cars, making it accessible to more people.
The Tesla Model 3 is an all-electric sedan known for its performance, safety features, and advanced technology. It has gained popularity for its affordability compared to other Tesla models.
Tesla Model
"...al regulators are now taking a closer look at the Tesla Model 3, specifically its emergency door release system..."
The Tesla Model Y is a type of electric car that looks like a small SUV. It's known for being environmentally friendly and has a lot of high-tech features. People talk about it because it's becoming very popular and has some safety features that are being looked at by regulators.
The Tesla Model Y is an all-electric compact SUV that shares many components with the Model 3 sedan. It has gained attention for its impressive range, advanced technology, and spacious interior, making it a popular choice among electric vehicle buyers. Discussions often revolve around its innovative features and regulatory scrutiny, particularly regarding safety systems.
safety
"...the takeaway here is that safety isn't just about advanced technology, it's also about clear, simple design, especially in emergencies."
Safety in cars means making sure that everyone inside is protected in case of an accident or emergency. This includes things like airbags and easy ways to get out of the car quickly.
Safety in vehicles refers to the measures and features designed to protect occupants during a crash or emergency. This includes technology like airbags and design elements that facilitate quick exits.
Toyota Corolla
"Toyota has issued a U.S. recall covering the Camry Hybrid and Corolla Cross Hybrid models due to a potential issue with an inverter mounting bolt."
The Toyota Corolla Cross Hybrid is a small SUV that uses both gas and electricity to drive, making it more fuel-efficient. It's great for city driving and has a roomy interior.
The Toyota Corolla Cross Hybrid is a compact SUV that combines the practicality of an SUV with the efficiency of a hybrid powertrain. It's designed for urban driving and offers a spacious interior.
Toyota Camry
"Toyota has issued a U.S. recall covering the Camry Hybrid and Corolla Cross Hybrid models due to a potential issue with an inverter mounting bolt."
The Toyota Camry Hybrid is a car that uses both gas and electricity to run, which helps it save fuel. It's a comfortable and reliable choice for many drivers.
The Toyota Camry Hybrid is a popular midsize sedan that combines a gasoline engine with an electric motor for improved fuel efficiency. It's known for its reliability and comfort.
inverter
"The inverter is a core component of any hybrid system making it a serious concern."
An inverter is a part of hybrid and electric cars that changes battery power into a form that can be used to run the car's electric motor. It's very important for how the car works.
An inverter is a critical component in hybrid and electric vehicles that converts direct current (DC) from the battery into alternating current (AC) to power the electric motor. Its proper functioning is essential for the vehicle's performance.
Kia K4
"Kia is making a strong play for affordability with the all new 2026 Kia K4 Sedan which replaces the Forte."
The 2026 Kia K4 Sedan is a new car that Kia is making to be affordable and stylish. It takes the place of an older model called the Forte.
The 2026 Kia K4 Sedan is a new model that aims to provide an affordable option in the sedan market, replacing the previous Forte model. It is designed to offer a balance of style, comfort, and value.
Kia Forte
"... the all new 2026 Kia K4 Sedan which replaces the Forte. Pricing starts at around $21,900 making it one o..."
The Kia Forte is a small car that is easy to drive and doesn't cost too much. The new 2026 version is being replaced by a different model called the K4 Sedan. People like to talk about it because it's a good option for anyone looking for a reliable and affordable car.
The Kia Forte is a compact sedan known for its value, offering a good mix of features, efficiency, and affordability. The 2026 model is being replaced by the new K4 Sedan, which highlights Kia's commitment to innovation and design. Discussions around the Forte often center on its practicality as a daily driver.
turbocharged engine
"Higher trims will offer a turbocharged engine for buyers who want more performance. Compared to the outgoing Forte, the K4 is slightly larger with more rear seat space and a wider stance."
A turbocharged engine has a special device that pushes more air into it, which helps it burn more fuel and produce more power. This means you can get more speed without needing a bigger engine.
A turbocharged engine uses a turbine-driven forced induction system to increase the engine's efficiency and power output. By forcing more air into the combustion chamber, it allows for more fuel to be burned, resulting in greater power without significantly increasing engine size.
driver assistance features
"Inside it gets a major tech upgrade including dual 12.3 inch displays, wireless Apple CarPlay and Android Auto, and modern driver assistance features."
Driver assistance features are helpful technologies in cars that make driving safer and easier. They can do things like help you stay in your lane or slow down if there's an obstacle ahead.
Driver assistance features are technologies designed to enhance vehicle safety and facilitate driving. These can include systems like adaptive cruise control, lane-keeping assist, and automatic emergency braking, which help prevent accidents and make driving easier.
Nissan Pathfinder
"...san also announced pricing for the refreshed 2026 Pathfinder starting at $37,500 before destination fees."
The Nissan Pathfinder is a family-friendly SUV that has plenty of room for passengers and cargo. The new 2026 version has some updates to make it look nicer and work better. People talk about it because it's a good choice for families who need space and versatility.
The Nissan Pathfinder is a midsize SUV that offers a spacious interior and versatile seating for families. The refreshed 2026 model features updated styling and technology, making it a strong contender in its segment. It's often discussed for its balance of comfort, off-road capability, and family-friendly features.
destination fees
"Nissan also announced pricing for the refreshed 2026 Pathfinder starting at $37,500 before destination fees."
Destination fees are extra costs added to the price of a car to pay for shipping it to the dealership.
Destination fees are charges added to the price of a vehicle to cover the cost of transporting it from the manufacturer to the dealership. These fees can vary based on distance and logistics.
3.5 liter V6
"Power still comes from a 3.5 liter V6 making 284 horsepower paired with a 9 speed automatic transmission."
A 3.5 liter V6 engine is a type of car engine that has six cylinders and is 3.5 liters in size. It helps the car go faster and can carry more weight.
The 3.5 liter V6 engine is a six-cylinder engine with a displacement of 3.5 liters. It provides a balance of power and efficiency, making it suitable for a midsize SUV like the Pathfinder.
9 speed automatic transmission
"Power still comes from a 3.5 liter V6 making 284 horsepower paired with a 9 speed automatic transmission."
A 9 speed automatic transmission is a system in cars that changes gears automatically and has nine different settings to help the car run smoothly.
A 9 speed automatic transmission allows for smoother shifting and better fuel efficiency by providing more gear ratios. This means the engine can operate more efficiently at various speeds.
towing capacity
"Front wheel drive is standard with all wheel drive available and towing capacity remains strong at up to 6,000 pounds."
Towing capacity is how much weight a car can pull behind it, like a trailer. The Pathfinder can pull up to 6,000 pounds.
Towing capacity refers to the maximum weight a vehicle can safely tow. The Pathfinder's towing capacity of up to 6,000 pounds makes it suitable for hauling trailers or boats.
Honda Accord
"... towing capability. Honda says the refreshed 2026 Accord is now arriving at dealerships. For 2026, more te..."
The Honda Accord is a popular family car that is known for being dependable and comfortable. The new 2026 version has some updates to make it even better, which is why people are excited about it. It's a good option if you're looking for a car that can fit a family and is easy to drive.
The Honda Accord is a midsize sedan known for its reliability, spacious interior, and strong performance. The refreshed 2026 model brings updates to its design and technology, making it a competitive choice in the family sedan market. It's often discussed for its balance of comfort, efficiency, and practicality.
Honda Sensing
"...expanded driver assistance features through Honda Sensing. Styling updates are subtle but sportier..."
Honda Sensing is a group of safety features in Honda cars that help drivers stay safe on the road. It can help with things like keeping the car in its lane and adjusting speed automatically.
Honda Sensing is a suite of safety and driver-assist technologies designed to enhance the driving experience. It includes features like adaptive cruise control and lane-keeping assist.
turbocharged gas engines
"...Power trains carry over including the turbocharged gas engines and hybrid options that continue to be a major efficiency draw."
Turbocharged gas engines are special types of engines that use a device called a turbocharger to make the car go faster while still using less fuel. They are popular for their good balance of power and efficiency.
Turbocharged gas engines use a turbocharger to increase the engine's efficiency and power output. This technology allows for better performance without sacrificing fuel economy.
CVT
"It comes standard with the same 2.0-liter engine and CVT with a turbo option available on higher trims."
CVT means Continuously Variable Transmission. It's a special type of car transmission that helps the car speed up smoothly without the usual gear changes.
CVT stands for Continuously Variable Transmission, which is a type of automatic transmission that can change seamlessly through a range of gear ratios, providing smoother acceleration.
Mazda Cx90
"...elf Rides. That is for a review of the 2026 Mazda CX90 Turbo S Premium Plus. This is Mazda's most premiu..."
The Mazda CX-90 is a fancy SUV that looks nice and drives really well. The new 2026 version has a powerful engine that makes it fun to drive. People talk about it because it offers a mix of luxury and everyday usefulness.
The Mazda CX-90 is a premium midsize SUV that emphasizes luxury and performance, featuring a stylish design and high-quality interior materials. The 2026 model introduces a turbocharged engine option, enhancing its driving dynamics. It is often discussed for its blend of sportiness and practicality, appealing to those looking for a more upscale SUV experience.
all-wheel drive
"with standard all-wheel drive. In the review I break down how it drives, how the interior quality compares to rivals..."
All-wheel drive means that power goes to all four wheels of the car instead of just two. This helps the car grip the road better, especially in rain or snow.
All-wheel drive (AWD) is a drivetrain system that distributes power to all four wheels of a vehicle, enhancing traction and stability, especially in adverse weather conditions. This system is beneficial for improved handling and control.
Toyota Grand Highlander
"... the interior quality compares to rivals like the Grand Highlander and the Pilot and whether the Turbo S powertrain ..."
The Toyota Grand Highlander is a bigger SUV that can fit more people and stuff than the regular Highlander. It's designed for families who need extra space and is known for being well-made and safe. People compare it to other SUVs to see which one is the best choice.
The Toyota Grand Highlander is a larger version of the popular Highlander SUV, designed to offer more space and comfort for families. It competes with other midsize SUVs and is noted for its quality interior and advanced safety features. Discussions often focus on its practicality and how it stacks up against rivals.
Subaru
"...including Tesla's sales drop, Ford recalls and new vehicles from Subaru and Mercedes."
Subaru is a car company from Japan that makes cars known for their all-wheel drive, which helps them handle well in different weather conditions. They are popular with people who enjoy outdoor activities.
Subaru is a Japanese automaker known for its all-wheel-drive vehicles and boxer engine technology. The brand has a strong following among outdoor enthusiasts and is recognized for its safety features and ruggedness, particularly in models like the Subaru Outback and Forester.
Mercedes
"...including Tesla's sales drop, Ford recalls and new vehicles from Subaru and Mercedes."
Mercedes is a luxury car brand from Germany that makes high-end vehicles. They are known for their comfort, performance, and advanced technology features.
Mercedes-Benz is a German luxury automotive brand known for its high-quality vehicles that combine performance, luxury, and advanced technology. The brand is recognized for its innovation in safety and engineering, producing models like the Mercedes-Benz S-Class and GLE.
daily driver
"Now I focus on how it works for a real daily driver and whether it makes sense against some of the newer competitors."
A daily driver is a car that you use every day for things like going to work or shopping. It's usually comfortable and reliable, so you can count on it for your regular trips.
A 'daily driver' refers to a vehicle that is used regularly for everyday transportation, such as commuting to work or running errands. It typically prioritizes comfort, reliability, and practicality over performance.
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