Money expert Barry Choi breaks down why car loans have stretched from five years to eight, and what that actually does to the total price of a vehicle once the interest adds up over that much longer.

He also exposes a dealer tactic where two completely different cars end up with the same monthly payment, and the only difference nobody mentions is how many years you're actually financing.

Barry gets into what happens when a car ends up worth less than what's still owed on it, and why that situation can be far harder to get out of than people expect.

Topics: car financing, leasing vs buying, underwater car loans, dealer payment tactics, Barry Choi

GUEST: Barry Choi | @‌barry_choi

Originally aired on 2026-09-18

Money expert Barry Choi breaks down why car loans have stretched from five years to eight, and what that actually does to the total price of a vehicle once the interest adds up over that much longer.
He also exposes a dealer tactic where two completely different cars end up with the same monthly payment, and the only difference nobody mentions is how many years you're actually financing.
Barry gets into what happens when a car ends up worth less than what's still owed on it, and why that situation can be far harder to get out of than people expect.
Topics: car financing, leasing vs buying, underwater car loans, dealer payment tactics, Barry Choi
GUEST: Barry Choi | @&zwnj;barry_choi
Originally aired on&nbsp;2026-09-18

Shane Hewitt & The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world—always with curiosity, compassion, and a sharp edge.

From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane’s signature style—thoughtful, fearless, and refreshingly real.

If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt &amp; The Nightshift is your late-night companion for real talk, bold ideas, and unfiltered conversations that matter. Hosted by Canadian radio veteran Shane Hewitt, each episode dives into the headlines, human stories, and hidden truths shaping our world&mdash;always with curiosity, compassion, and a sharp edge.
From politics and pop culture to mental health, technology, and everyday life, this podcast is where night owls, deep thinkers, and curious minds come to connect. Featuring expert guests, passionate callers, and Shane&rsquo;s signature style&mdash;thoughtful, fearless, and refreshingly real.
If you crave meaningful dialogue, smart perspectives, and late-night radio energy in podcast form, subscribe now and join The Nightshift.

Shane Hewitt and The Nightshift

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.

Shane Hewitt is known for his engaging and relatable on-air personality, which captivates listeners. His ability to blend insightful commentary with humour and empathy creates a genuine connection with listeners.  Shane Hewitt and the Night Shift provides relatable content, informative discussions and expert insights – along with a balance of anecdotes and entertainment.