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These are the 10 best iPad apps of the past decade

These are the 10 best iPad apps of the past decade

It's now been more than 10 years since former Apple CEO Steve Jobs unveiled the iPad. The move firmly pushed tablets into the mainstream gadget conversation while leading many to ask, "What the heck is this giant iPod touch?" (Oh 2010, you sweet summer child.) In a review of the first-gen iPad that year, CNET's Donald Bell described the device as "an elegant, affordable supergadget." One of the main draws was how easy it was to access and navigate the apps on the 9.7-inch screen. 

Jobs said the iPad would define "an entirely new category of devices that will connect people with their apps and content in a much more intimate, intuitive and fun way than ever before." He wasn't wrong: 10 years later, the iPad's portability, user-friendly interface and variety of apps have made it a favorite device in many homes, classrooms and offices. We use it for web surfing, reading, drawing, binge watching and sometimes even working. 

Read more: iPad Pro 2020 review: Working at home with a trackpad, AR and more

Apple separated iPadOS into its own platform last year, bringing the tablets closer to operating like a laptop -- though for most people, the tablet isn't ready to become a primary work device just yet. My CNET colleague Dan Ackerman dove into this topic in his commentary, Apple iPad at 10: Can we call it a computer yet?

Looking back on that first announcement (and how much we made fun of the name iPad), you can see the evolution of our expectations for the iPad and its apps. It briefly looked like the iPad would be the next frontier for magazines, with its large, high-resolution screen and interactive capabilities. That never came to fruition, but Apple is still betting on the format with Apple News Plus, a service for accessing top magazines and newspapers in one place for one monthly subscription fee. 

Read more:  iPad 10.2-inch (2019) review: The case for the least expensive iPad

The iPad also held a lot of potential for mobile games and -- unlike the expectations for magazines -- that promise was fulfilled. Many of the most popular iPad apps today are games, and the Apple Arcade mobile game service now has more than 130 games you can download and play on the iPad and other Apple devices. 

We selected 25 apps that have turned the iPad into a useful tool for entertainment, reading, working and playing. Here are the top 10 -- check out the rest in our full gallery of the best iPad apps of all time.

1. Netflix

Angela Lang/CNET

The release of the first-gen iPad coincided with the expansion of Netflix's movie and TV streaming service. The Netflix app on iPad allowed us to take our favorite shows with us everywhere we went, on a much larger screen than the iPhone -- truly a game changer that helped push us into the streaming era. This became especially useful for parents, who can now hand an iPad to their kid to watch family-friendly Netflix shows in any room of the house, on road trips and in other places where a little bit of distraction could go a long way.

Read more: Best tablet for remote learning in 2020

2. Adobe Photoshop Lightroom

Lightroom on iPads will let you import photos directly from a memory card, showing a selection screen that lets you pick the ones you want to transfer.

Screenshot by Stephen Shankland/CNET

With Lightroom, Adobe brought its desktop-standard photo editing to the iPad to use on the go. With a combination of free and premium features, Lightroom helps even professional photographers get important photo work done. With the advent of iPadOS, a recent update even lets you directly import photos into Lightroom from a memory card. 

3. Flipboard

Robyn Beck/Getty Images

Flipboard is a curation tool that uses a combination of editors and algorithms to deliver news, videos and podcasts tailored to your interests. Founded in 2010, Flipboard was one of the first apps to take advantage of the iPad's magazine-like layout. In the iPad app today, you can create Smart Magazines that bundle together articles and sources around your specific interests, like photography, technology or recipes. 

4. Amazon Kindle

NurPhoto/Getty Images

The Amazon Kindle app for iPad helped open up the world of e-books, as it allowed people to purchase e-books on Amazon and read them on the iPad, instead of on a Kindle. You can't buy books directly from the app on your iPad, but the Kindle books you buy from Amazon (including Amazon.com from your web browser on the iPad) will automatically appear in the Kindle app. 

5. Procreate

Procreate is an art app made for the iPad and the Apple Pencil.

Procreate

An Apple Editor's Choice winner, Procreate is an art app made for the iPad and the Apple Pencil, featuring ultra-high definition canvases, hundreds of virtual brushes, and many design and animation tools. It's used by creative professionals, hobbyists and aspiring artists, who can import or export art as Adobe Photoshop files or in virtually any other format they'd like. Professionals who use the app view the combination of iPad, Apple Pencil and Procreate as a big upgrade to the digital tools of the past. (Check out our list of 10 Procreate app tips for budding iPad artists, too.)

6. Star Walk

Vito Technology

Winner of the Apple Design Award back in 2010, Star Walk is a detailed astronomy app that allows real-time tracking of the night sky and its stars, constellations, planets and more. The iPad app showed the benefits and potential of the device's large, portable screen. When you launch the app and point your tablet at the night sky, you'll see a labeled map of stars, planets, satellites and constellations from your location. 

Read more: 7 best stargazing apps for spotting constellations in the night sky

7. Notability

Ginger Labs

Another Apple Editor's Choice award winner, Notability is a comprehensive note taking app that lets you combine typed or handwritten notes and drawings with audio recordings -- taking advantage of the iPad's capabilities as a digital notepad. For an extra cost, it will even convert your handwritten notes to text. 

8. Duet Display

Rick Broida/CNET

Duet Display is an app that turns your iPad into a second monitor for your laptop, desktop or phone. Designed by former Apple engineers, the app can turn your tablet into a productivity tool, with full gesture support and customizable shortcuts. It also creates a Touch Bar on your tablet. The app works completely via software, so no cables or dongles are needed -- and promises zero lag time.

9. YouTube

Getty Images/Artur Debat

It's another old standby, but the YouTube app for iPad helped further the tablet's reputation as a mobile content consumption platform. YouTube was one of the default apps on the iPad until iOS 6, when it moved to the App Store after Apple and YouTube parent company Google's license to include it in iOS expired. Almost a decade later, it remains one of the most popular apps for the iPad -- and along with other streaming video apps such as Disney Plus and CBS All Access, it makes the iPad a powerful mobile TV. (Editors' note: CNET is owned by ViacomCBS, which also owns CBS All Access.)

10. LumaFusion

LumaFusion

The most popular video-editing app for iOS, LumaFusion proved that iPads can be great not just for watching videos, but for making them. The app is a multitrack video editor used by professional video producers, filmmakers and journalists. It has six video and audio tracks for photos, videos, audio, titles and graphics. It also lets you add and layer effects and color corrections -- all from your iPad.

For more, check out our list of the best iPhone apps of last year.

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Pilot Like a Pro With $40 Off This Beginner-Friendly Drone

Pilot Like a Pro With $40 Off This Beginner-Friendly Drone

Drone piloting might seem like a prohibitively expensive hobby, but drone tech has come a long way in recent years. There are plenty of entry-level models out there that boast some impressive specs and won't break the bank. If you're looking to take a first step into the expanding world of drone piloting, then we've got a deal you won't want to miss. 

The Holy Stone HS360 is packed full of features that make it a great pick for first-time flyers, and right now you can pick it up for just $207, or $43 off the usual price. It's already on sale at Amazon, but you can use the promo code Z9YU78O6 at checkout to get the full discount. 

When you're shopping for a beginner drone, you probably don't want to drop serious cash on one you might end up inadvertently crashing. But you also don't want to opt for one so cheap that it barely functions. The HS360 is a great balance between the two, and it has tons of handy features and functions that will help new pilots get the the hang of flying. You can set it to hold a specific altitude, automatically follow you or even draw a flight trajectory for it to follow on the companion app. The Electronic Image Stabilization camera is mounted on an adjustable two-axis gimbal for a wider field of view, and can capture or stream stunning 4K UHD video. You can even control the camera with simple hand gestures (i.e., "paper" to start recording, "scissors" to take a picture) so you never miss out on that perfect shot. With powerful 5GHz transmission, it can provide a clear image feed to your phone up to 1640 feet away, and the two included batteries provide a total fligh t time of up to 46 minutes.

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Meta's Oculus Quest Fitness Data Will Sync With Apple Health and Your Phone

Meta's Oculus Quest Fitness Data Will Sync With Apple Health and Your Phone

The Quest 2 VR headset already tracks workouts and can be a surprisingly effective fitness tool. And soon enough it will sync Oculus Move workout data with Apple Health as well as with the Oculus phone app. 

Announcing the news Thursday, Meta said the changes are happening next month. The tech conglomerate, formerly known as Facebook, also acknowledged that it's looking at integrating with "other fitness platforms" in the future.

Though syncing with Apple Health requires an iPhone, the Oculus phone app will work on both iOS and Android. However, syncing fitness data with the phone app means authorizing the Quest to store that data in Meta's cloud, which is a shift from how Meta had previously handled such data on its VR headset. Meta promises the fitness data will be stored in an encrypted state that won't be used for targeted ads. The data on existing Quest headsets using Move is stored on the headset.

The phone app has a familiar fitness-tracker style.

Meta

The app layout for Move on the Oculus app looks similar to Apple's Fitness app, with two goal rings for daily estimated calorie burn and total move minutes (minutes moving while using VR). The activities are also exported under the category of "Fitness Gaming" to Apple Health. The Oculus app will now sync with Health if you grant it permission to export the data.

The Quest 2 can currently pair with Apple Watches in Supernatural, a subscription fitness app that Meta acquired last year. You can also wear a fitness tracker while working out in VR and record the data separately. But once the Oculus is able to sync with Apple Health, the VR headset could act as a partial replacement for a watch or fitness band. While the Quest 2 doesn't track heart rate, it can record movement through the headset and controllers in order to calculate a (less accurate) guess at exertion.

This is yet another fitness-related step for Meta, a company that's reported to be working on its own smartwatch. It's possible this move could align with a future Meta wrist device for VR and fitness tracking. In the meantime, it'll likely be helpful for anyone using the headset for workouts, provided you're already using an iPhone and are fine with Meta being a part of your fitness regimen.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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Acer adds AMD Ryzen power to budget gaming desktops

Acer adds AMD Ryzen power to budget gaming desktops

PC maker Acer is adding a wider variety of configuration options to its GX line of gamingdesktops. Rather than breaking the bank, the addition of newer AMD Ryzen 5 and Ryzen 7 CPUs are aimed at "entry to mid-level gaming," according to the company.

The Acer Aspire GX-281 desktop, already available with Intel CPUs (which can carry a premium price) now gets models with AMD Ryzen parts, which promise decent performance for less. The graphics card options go up to an Nvidia GeForce 1070 or an AMD Radeon RX 480.

AMD's mainstream Ryzen 5 CPU .

AMD

"As the gaming market continues to grow and evolve, Acer is pleased to offer a broader desktop selection leveraging a variety of processing, graphics and storage configurations, so customers can choose the system that best meets their needs," said said Frank Chang, Acer America senior director for desktops in a press release.

Previously, the Intel-powered versions of the GX-281 started at $899 in the US and go up from there, the new AMD models start at $799. 

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Google Pixel Fold Rumor Says It's Smaller Than Galaxy Z Fold 3, May Be Coming 2023

Google Pixel Fold Rumor Says It's Smaller Than Galaxy Z Fold 3, May Be Coming 2023

With the success of the Samsung Galaxy Z Fold 3, rumors have been fluttering about a potential Google Pixel Fold. Though the phone had been rumored to come out in late 2021 or mid-2022, Google had apparently pulled the plug. A new rumor now says the device is back from the dead.

The news comes by way of reliable display analyst Ross Young, co-founder and CEO of Display Supply Chain Consultants. In a tweet, Young said the Google foldable will be more squat when compared with Samsung's upcoming Z Fold 4. The outer display is said to be 5.8 inches, as opposed to the Z Fold 4's supposed 6.19 inches, meaning the inner display, when the phone's opened up, would have a wider aspect ratio. 

As for a potential release date, in a reply to a user on Twitter, Young said fans could expect a Pixel Fold in the fourth quarter of this year. Information seems to be fluid, however. 

"This is based on discussions with companies in the display supply chain around a specific configuration," Young told CNET. "However, we are also now hearing it may be pushed out into 2023. Don't believe they have actually placed the order yet."

Young said he and his team need more time to confirm the exact release window. 

Google didn't immediately respond to a request for comment. 

Whether a Google foldable were to launch later this year or next, it would most likely be running Android 13. As for price, an unnamed source told 9to5Google that it'll cost less than the Z Fold 3, which launched last August for $1,800. 

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Vivo's in-screen fingerprint scanning phone sells Jan. 24

Vivo's in-screen fingerprint scanning phone sells Jan. 24

The world's first phone with an in-screen fingerprint scanner finally has a name, and a birth date. The Vivo X20 Plus UD goes on sale Jan. 24, starting in China.

We first saw the one-of-a-kind tech at CES, the world's largest technology show. Chinese phone maker Vivo showed us a preproduction device that scans your fingerprint when you place your finger on the screen. There's no home button, just a target on the lock screen that you tap when you want to unlock the device -- and then it's out of your way. Vivo calls it Clear ID.

Although Vivo's phone will be the first to market with this innovation, we expect it to kick off a trend in 2018 and beyond. Currently, almost every phone on the planet has a physical fingerprint scanner that you press to get into your phone: either south of the screen, integrated in the power button, or on the phone's back. 

Apple's iPhone X is one notable exception -- it uses Face ID to unlock the phone, and has no fingerprint scanner whatsoever.

Both the iPhone X and Samsung Galaxy S8 were rumored to get the embedded sensor, and didn't. With the Galaxy S9 launching in February in Barcelona, Spain, Samsung and other device makers will have a chance to show off their use of the technology, which was created by components company Synaptics.

The Vivo X20 Plus UD is a variation on the previously announced X20 Plus, so expect it to have the same 6.43-inch AMOLED display with thin bezels, a Snapdragon octa-core processor, dual rear cameras and 4GB of RAM -- the in-screen fingerprint sensor is really the standout feature.

Vivo will announce the X20 Plus UD Jan. 24 at 7:30 p.m. local time in China; it's unclear if it will come to other markets outside of Vivo's home country.

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Samsung slashes Galaxy Z Flip 5G price by $250 to $1,200

Samsung slashes Galaxy Z Flip 5G price by $250 to $1,200

Samsung on Monday cut the starting price for its Galaxy Z Flip 5G foldable by $250, fulfilling a vow the head of its mobile business made in December. The unlocked version of the company's flip phone-like device now retails for $1,200 on Samsung.com and comes in mystic gray or mystic bronze finishes.

Tae-moon Roh, Samsung president and head of mobile communications, in December wrote that he would make his company's foldables "more accessible" in 2021. That was interpreted as code for cutting the prices of the expensive foldables. 

The first devices that used bendable screens were expensive, as the components were in short supply and were more difficult to manufacture than regular displays. But Samsung is now on its third year of foldables, and it hopes lowering the price will help the devices attract more buyers. 

Last week, Samsung said it benefited in the fourth quarter from strong demand for technologies that help people during the pandemic -- like TVs -- but its mobile business couldn't quite compete with Apple's new iPhone 12 lineup. Sales for that business tumbled 11%, while Apple's iPhone revenue climbed 17%. Samsung said its mobile revenue fell because of "intensified competition in the year-end season," and its mobile profits suffered from higher marketing costs.

Like its competition, Samsung is grappling with the coronavirus pandemic and the impact it's having on consumers. When COVID-19 first started spreading, worries about the illness caused a dramatic slowdown in phone purchases as people around the globe decided the device they had was good enough. Demand eventually recovered as new 5G phones began to hit the market, but not soon enough to boost Samsung's Galaxy S20 sales. 

The pandemic has forced Samsung to shift strategy for some of its mobile products, including introducing a less expensive model of the Galaxy S20, called the S20 FE in September. And it held its Galaxy 21 launch in mid-January, about a month earlier than normal. The most notable difference from last year's Galaxy S20 lineup is the lower price, with each model retailing for $200 less than its predecessor. The company hopes the lower price tag for the S20 and Z Flip will help it attract buyers who had delayed upgrading their devices. 

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How the PC industry killed the ultrabook

How the PC industry killed the ultrabook

commentary Well, it was fun while it lasted.

The personal computer industry backed a promising candidate in the ultrabook concept, convincing even a skeptic like myself that a new class of superslim, superlight laptops was the key to exciting consumers. Ultrabooks were well on their way to becoming the PC form factor of the future.

And now, it's already over.

In record time -- something less than six months -- the ultrabook term has become so overused and amorphous that it's well on its way to being useless.

Liberal terminology
The first major examples of this new ultrabook rift are two laptops we recently reviewed. The HP Envy 14 Spectreand the Samsung Series 5 Ultra are both 14-inch laptops pitched as ultrabooks. The idea of bringing the ultrabook concept to larger laptops is a reasonable one -- the initial wave of ultrabooks were all 13-inch systems -- but they need to be nearly as thin and lightweight as the 13-inch models.

Instead, both the HP Spectre and Samsung Series 5 Ultra weigh a hair under 4 pounds, about a full pound more than a 13-inch MacBook Air. Both are also about one-tenth of an inch thicker. That may not sound like much, but when less than an inch is your baseline, it makes a noticeable difference in the feel of the laptop in your hand.

The biggest deviation from the ultrabook model to date is the 14-inch Samsung's use of a standard 500GB platter hard drive. The ultrabook platform is supposed to be built around faster, lighter solid-state drives (SSDs), and Samsung includes a tiny 16GB SSD as a secondary drive, which allows it to meet the letter, if not the spirit, of the ultrabook specifications. This system also includes an optical drive, which is another difference from previous ultrabooks.

It's relatively thin and light, but should it be an ultrabook? CNET

What you end up with, especially in the case of the Series 5 Ultra, is a perfectly fine midsize, mainstream laptop that can stand toe to toe with anything similar in the $850-$950 range. If we had seen it eight months or a year ago, our initial impression would be, "Wow, that's a pretty thin 14-inch laptop."

But today, there's absolutely nothing about it that says "ultrabook," which is bad news for this promising new category.

The origins of ultrabook
So, what is an ultrabook supposed to be, anyway?

Seeing the success of Apple's MacBook Air, Intel and PC manufacturers wanted to find a way to replicate it for Windows-based consumers in systems that could be sold at a reasonable price. The idea was pitched as an entirely new laptop category, although the name "Ultrabook" was a trademarked Intel marketing term, and the systems that were going to use it had to meet a series of Intel-set system requirements.

In fact, Intel even set aside $300 million to help PC makers develop these new systems, saying in August 2011 that it would "invest in companies building hardware and software technologies focused on enhancing how people interact with Ultrabooks such as through sensors and touch, achieving all-day usage through longer battery life, enabling innovative physical designs, and improved storage capacity."

The $799 Toshiba Z835. CNET

From that original big idea, and the subsequent challenge Intel presented to PC makers, came the first generation of laptops to use the ultrabook name. These systems, from companies such as Acer, Lenovo, Toshiba, and Asus, came off very well in our initial reviews and we were surprisingly impressed with the platform, especially as prices declined, offering buyers systems with 128GB SSD drives for as little as $799.

Ultrabooks 2012: From noteworthy to no big deal
But a few months ago, at CES 2012, I warned that the road ahead looked foggy, saying: "The ultrabook is in danger of being oversold by both Intel and industry watchers overeager to get behind the Next Big Thing."

And that seems to be exactly what is happening here. The ultrabook idea was a hit. It even seemed to have high name recognition with CNET readers, who would e-mail us with specific questions about which ultrabook they should buy. Now, everyone's rushing to join the bandwagon and the bigger 14- and even 15-inch ultrabooks hitting stores feel like they dilute the concept far too much.

For an example of this kind of branding done right, think back to the early days of wireless networks, when Intel's Centrino name meant that a laptop was able to connect to Wi-Fi and do most of the other networking things you needed it to, without you having to delve too deeply into the spec sheet.

In this case, instead of looking for an Intel ultrabook sticker on a laptop and knowing that it's going to be very thin, very light, rely on SSD storage, boot quickly, and run for a long time on a battery charge, now consumers will have to go back to checking the size and weight specs carefully.

How is that helpful for anybody?

Expect to see more laptops that look like this. CNET

The ultrabook is dead; long live the new laptop order
But the ultrabook, as originally presented, is still an idea whose time has come. Apple's MacBook Air proved that consumers could live without optical drives and large-capacity hard drives, and valued long battery life and portability over ports and connections (in that sense, systems such as the Dell Adamo were ahead of their time). Also, ultrabook branding is certainly not going away anytime soon, and we'll all see dozens of new ultrathin laptops both with the ultrabook label and without during the rest of 2012.

The real long-term victory is that the ultrabook is rewriting what it means to be a mainstream laptop. By this time next year, I find it hard to believe that any midprice, midsize laptop won't be well under 1 inch, and closer to 3 pounds than 4 or 5. Optical drives will continue to fade away, as will dedicated Ethernet jacks (although I'm still convinced you'll eventually need one in a pinch). If you're a PC maker and most of your future laptops aren't at least trending toward ultrabooks and the MacBook Air, you simply won't be in the game.

So, yeah: I'm no longer sure what "ultrabook" means anymore. But if most future laptops are going to be thinner, lighter, and faster -- whether or not they get an Intel-approved sticker -- maybe that's not such a bad thing.

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AMD unveils Ryzen 9 5950X gaming PC CPU with 16 cores, Zen 3

AMD unveils Ryzen 9 5950X gaming PC CPU with 16 cores, Zen 3

AMD on Thursday announced the Ryzen 5000 series, its flagship consumer desktop CPUs for gaming and creation. And if the company's smattering of benchmarks are to be believed, it's managed to squeeze quite a performance increase out of the new processors without changing the basic specs -- like number of cores, total cache and power envelope -- and just switching to the new Zen 3 architecture. AMD also gave us a quickie preview of the eagerly anticipated Radeon RX 6000 graphics card, which it will launch on Oct. 28.

The CPUs mark the debut of Zen 3, which builds on the previous generation of AMD's 7-nanometer architecture with optimizations that the company says deliver around 19% more instructions per clock cycle over the 3000 series -- which is already pretty fast -- across the board. One of the big changes between generations is a move from a four-core block to eight-core blocks in the die layout, with double the amount of L3 cache. In practice, that means more memory is closer to the cores on the CPU die, reducing overall latency, which means it responds more quickly for any CPU-related activities.

Ryzen 5000-series CPUs

	Base clock	Boost clock	Cores/threads	Cache	System power target (watts)	US price
Ryzen 9 5950X	3.4	4.9	16/32	72MB	105	$799
Ryzen 9 5900X	3.7	4.8	12/24	70MB	105	$549
Ryzen 7 5800X	3.8	4.7	8/16	36MB	105	$449
Ryzen 5 5600X	3.7	4.6	6/12	35MB	65	$299

Zen 3 CPUs also get a boost from more efficient arithmetical operations and instruction prediction. All while achieving a 24% improvement in performance per watt, according to AMD, and they will be able to work in the same motherboards. Base and boost clock speeds are only slightly different from their predecessors. As far as I can tell, there are no changes in supporting chipset-related specs, such as maximum amount of memory or number of PCI 4 lanes.

You'll notice there's still a gap in the lineup where a 10-core option to compete directly with the Intel Core i9-10900K would be.

AMD's target launch date of Nov. 5 is aggressive, especially since Intel has yet to unveil its competing flagship next-generation desktop CPUs. Intel recently confirmed that the new architecture, code named "Rocket Lake," based on Cypress Cove (10nm cores adapted and validated for Rocket Lake's 14nm process) would first appear in the 11th-gen midrange Rocket Lake-S chips in early 2021. Intel claims its Rocket Lake processors will have better performance with more IPC -- ironically, a metric AMD pushed into popularity over clock frequencies a few years ago -- support for PCIe 4.0, expanded AI acceleration capabilities and Xe graphics architecture, with its much faster integrated graphics.

The new processors jump the 4000-series naming convention, possibly to eliminate confusion with the Zen 2-based mobile processors that bear that designation. 

For its preview of the the RX 6000 (nicknamed "Big Navi") graphics card line, which incorporates the RDNA 2-architecture we've heard so much about with the upcoming Xbox Series X and PS5 consoles, AMD highlighted 4K performance. That's a little unusual for the company, which has been concentrating on promoting its 1440p capability at the higher end of the RX 5000 line. It's not surprising, though, given that its similar new console chips target 4K at 120fps.

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Millions can't pay their car loans. Here's what to do if you're one of them

Millions can't pay their car loans. Here's what to do if you're one of them

If you've skipped a car payment or two recently -- or you worry you might have to miss an upcoming one -- you're not alone. Due to the coronavirus recession and record levels of unemployment, over 7% of all car loans in the US are currently in some sort of deferment program, according to recent data released by credit reporting agency TransUnion.

Typically, missing a car payment can damage your credit score or even lead to the bank repossessing your vehicle. However, in the wake of the recent economic turmoil brought on by the coronavirus pandemic, most lenders have streamlined their financial hardship programs and are willing to be a bit forgiving if you just ask for help.

But just like the help available with rent payments and unemployment benefits, you do have to ask. The worst thing you can do is ignore the problem and assume it'll work itself out on its own. (Scroll to the end for what else you should absolutely not do.)

Here's a look at the most current information and resources we could locate to help you deal with your car payment. We'll continue to update this story as new details emerge.

First, see what assistance your lender has to offer

You'll want to know what kinds of programs your bank, credit union or other auto loan provider may have available to you. Also, if there are any state laws that might offer some protections against repossession, you'll want to find out about those, too. 

Here are the most comprehensive resources we've been able to turn up to help with both. (If you don't see your lender on any of those lists, try contacting the company directly through its website or app.)

As businesses like this soda and candy shop in Asheville, North Carolina, start to reopen, you can bet repossession companies will be back to work, too.

Sarah Tew/CNET

Most repos occur after two or three months of no payments

If you've fallen behind (or you think you're going to fall behind) on your car payment for 90 days or longer, you may very well be at risk of having your car repossessed. Your lender may be more lenient if you've never missed a payment before, but the more often you've been late in the past, the sooner they might attempt repossession. 

One way around this, however, is a deferment or forbearance program.

What are auto loan deferment programs and how do they work?

Under normal circumstances, most lenders will report a late payment to the credit bureaus once it's at least 30 days overdue, and they'll typically come to take your vehicle away after you've missed three or more payments in a row. 

A deferment or forbearance allows you to skip between one and three payments with no late fees or penalties. After the deferment period ends, either your monthly payment will either go up slightly or your loan will be extended by about the same amount of time as the deferment.  

On the downside, interest will continue to accrue during the months you skip your payment, so you'll end up paying more for your vehicle in the long run. But on the plus side, your missed payments will not show up as negative marks on your credit report, so your credit score shouldn't take a hit.

How to talk to your bank about your options 

Most lenders' programs have been streamlined to be pretty simple to apply for. Fill out a form, possibly attach some documentation (termination letter, layoff notice, etc.), send it off to your lender and wait for an approval confirmation. If your bank doesn't have it set up that easy and you have no idea where to begin, the legal services website DoNotPay has a chatbot that can help you draft a letter to your lender.

That said, you can probably handle this on your own. Just be honest and forthcoming about your situation and realistic about how much time you'll need to get back on your feet. Generally speaking, banks would rather work with you and retain you as a customer than leave you stranded without a vehicle.

Ford is currently offering to pay six months' worth of new vehicle payments when you purchase a new car from the company.

Wayne Cunningham/CNET

What normally happens when you miss a car payment?

In most states, a lender, like your bank, can start the repossession process the day after you miss even just one payment, but most companies give their customers a grace period. Often the lender won't even charge a late fee until the payment is at least 10 days late, and most won't report it to the three major credit bureaus until it's over 30 days late. 

If you go past 30 days delinquent -- and especially if you miss the next two payments in your loan cycle as well -- that's where you start treading into repossession, or repo, territory. 

How repossession works 

In most cases, your lender will contract with a third-party agency that specializes in repossessions. That company will use whatever information it can get -- your home and work addresses, for example -- to track down the vehicle and tow it to a secured, usually gated lot. It does not need your car keys to take your car. 

The repo company will then charge your bank for towing the vehicle, as well as a daily storage fee, usually around $25 to $75 per day. Unless you happened to have left your keys in the car, the repo company will also contract a locksmith to make a new set of keys -- then charge your bank for that service, too. When all is said and done, you'll owe anywhere from a few hundred to over a thousand dollars in charges, which you'll still be liable for whether you get your car out of repo or not. 

If you quit paying your car payment, eventually a vehicle recovery service will come tow your car.

Andrew Hoyle/CNET

Are car repossession companies even open right now?

The auto repossession industry never quite figured out whether repo companies, many of which laid off dozens of employees early on in the pandemic, were even allowed to operate in areas under strict shelter-in-place orders. The Association of Credit and Collection Professionals, a lobbying group for debt collectors, has argued that debt collection is an essential service, but lawmakers have yet to chime in.

However, as most US cities are far along in the process of reopening and orders shuttering nonessential businesses have mostly been lifted, you can probably bet that repo companies will be up and running as soon as they can be.

Your rights vs. the bank's rights 

In pretty much every instance your bank does not need a court order to attempt to repossess your car. You can view a list of every state's specific automobile repossession laws here, but generally speaking, your lending institution (or a company it hires) has the right to come onto your property and take the car so long as no one commits a "breach of the peace."

That means its representatives can't break into a locked garage, through a locked gate or otherwise use physical force against you or your property to take possession of your vehicle. They can, however, follow you to work, for example, or the grocery store, and wait until you leave your car unattended. 

How to get your car out of repo -- and what happens if you don't 

What if it's too late and your car has already been repoed? Many states have laws on the books about how long and under what conditions lenders must allow you the opportunity to get your vehicle back, but the terms aren't exactly favorable, especially if you're in the kind of financial situation that led to repo in the first place.

Generally, the law only compels lenders to release your car if you pay off the loan plus any towing and storage charges that have accrued. In practice, however, most lenders are willing to give your car back if you can at least catch up with your late payments (and, of course, even up with the repo company as well). 

One option if you're struggling to pay your car payment is to try and sell your car for cash to pay off the loan, but that won't work if you owe more than the car is worth.

Sarah Tew/CNET

If you leave your vehicle in repo, either because you can't afford to get it out or you just decide it's not worth it, you're still not completely off the hook. The bank will likely auction off your car to the highest bidder, then apply the revenue from that sale to your remaining balance, including repossession charges. If that doesn't cover your entire debt, the bank can come after you for the remainder, including handing your account over to a collection agency and reporting the delinquency to the credit bureaus. 

You have a few wild-card options as well 

If you're at risk of having your car or truck repossessed, there are other options available besides deferment, but none quite as simple or easy. You could do what's called a "voluntary repossession," where you contact your lender and indicate your desire to turn your vehicle over to it. Your credit will take a hit and you'll be liable for any outstanding debt the bank fails to recoup at auction, but the overall impact to both your credit score and pocketbook will be less than if you wait for the bank to forcibly repo your car.

You can refinance your car for a lengthier loan term with a lower monthly payment, but that will only work if you've already paid off a substantial amount of the principal. If you've only had your car loan for a year or two, you might actually still owe more than it's worth. Also, your credit has to be good enough for a bank to underwrite a new loan for you, which may or may not be the case anymore. 

You could also try to sell your car on the open market, or trade it in for something less expensive, but again, with the economy now in a full-blown recession, neither of these options seems very compelling.

What you absolutely should not do 

Whatever you do, don't try to hide your car from your bank or the repo company. For one, you're probably not going to beat them at their own game, and the longer it takes to find it (and the more difficult you make it), the more they're going to charge you for their services in the end. 

Stop! Don't just sit back and wait until the bank repos your car. Be proactive and ask and your lender may be able to help.

Shara Tibken/CNET

And don't just stop paying your loan and hope for the best. Whether or not lawmakers decide the repo industry performs an "essential" function, or if the repo man has to wait for a treatment or vaccine like the rest of us before getting back to work, eventually your delinquency will catch up with you. With banks demonstrating some compassion right now for those who've suffered financial hardship, you might as well take advantage of one of their relief programs while you can. 

Chances are if you're worried about making your car payment, you have other bills keeping you up at night, too. Here's what you need to know about rent relief during the pandemic, as well as what assistance is available if you have a mortgage. For taxes, credit cards and everything else, here's what other financial help is available.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

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Google Has Big Plans for AR. Google Maps Could Be the Key

Google Has Big Plans for AR. Google Maps Could Be the Key

Before Google has its own pair of augmented reality glasses, it'll need AR to work everywhere. World-spanning AR that blankets the real world using map data has been a goal for several companies lately, and Google is layering its AR using Google Maps.

The toolkit, announced at Google's I/O developer conference on Wednesday, could leap ahead of several competing efforts from rivals such as Niantic, Snap and Apple by using swaths of existing Google Maps data to generate location-specific AR anchors. Google's doing this using the same technique it used to create AR layers on top of Google Maps, called Live View, that were introduced back in 2019.

The new ARCore Geospatial API, as it's called for developers, could quickly allow specific augmented reality information to be placed at specific locations around the world, so that many people could see it at the same time and interact with it. It will work in over 87 countries, according to Google, without requiring any location scanning.

Google's evolving its own Maps to become more AR-infused over time, including adding an Immersive View to certain locations that will create ever-more-detailed scans of indoor and outdoor spaces. But these new moves look like they'll also enable app developers to create those experiences, leaning on maps data, for themselves.

Pocket Garden, one location-based collaborative AR app made by Google.

Google

Microsoft , Apple and Meta, among others, are already working to combine AR with map data, but not all initiatives are the same. Some recent initiatives by Snap, Apple and Meta have used lidar or depth-scanning cameras to map locations, which also requires regions to have been prescanned in order to work. Other location-mapping tools, such as Niantic's world-scanning AR in its Lightship platform, don't need lidar. Still, Google's existing maps look to be a huge starting set of mapped locations that could work with location-specific AR very quickly.

According to Google, the AR effects can appear in any location where Google Street View is also available, which could give it a big edge on working quickly in a lot of places.

Google's already begun working with early app partners, including the NBA, Snap and Lyft, to use the phone-based AR tech. It seems like a clear stepping-stone toward the tools a future set of AR glasses would need, too. According to Google, Lime is using the feature to explore how to show available parking spots using AR in certain cities.

A few open-source demo apps were announced as well, which show off collaborative location-specific AR: a balloon-popping app that could be used by lots of people at once in various places, and a multiperson interactive gardening game that's reminiscent of a collaborative AR demo we tried at Google I/O years ago.

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