2005 F150 Fx4 Lift,regency Package, New Tires-35 Nitto,new Shocks Low Miles on 2040-cars

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Subprime financing on the rise in new car sales, leasing too

We all remember the financial crisis that began several years back. At its core was a splurge of subprime lending for housing loans. The housing bubble burst, triggering a collapse of the mortgage-backed securities market. Apparently, those types of loans still exist in the automotive industry, and the market share for these types of "nonprime, subprime, and deep subprime," loans has grown 13.6 percent compared to the third quarter a year ago.
According to an Automotive News report, high-risk lending expanded to 24.8 percent of total loans in Q3, up from 21.9 percent for this time last year. As this level increased, average credit scores of borrowers dropped to 755, down from 763 a year ago. In that time, the average financing amount increased $90 per vehicle, to $25,963.
At 818, Volvo maintains the highest per-owner credit score, while Mitsubishi has the lowest, at 694. The highest rate of borrowers was at Toyota, with 14 percent of the market, followed by Ford with 13.1 percent and Chevrolet at 11.1.

2015 Ford F-Series Super Duty is class-leading once again

Time for everyone to feign surprise - Ford has just announced that it has the increased horsepower and torque levels of its 6.7-liter Power Stroke turbodiesel V8 engine for 2015. As you'd expect, the Blue Oval is claiming class-leading figures of 440 hp (up from 400) and 860 pound-feet (up from 800), and that's enough to enable Ford's F-450 Super Duty model to tow as much as 31,200 pounds, which, again, the automaker claims is class leading.
Now, it should be noted that the max rating quoted above is achieved with the Ford F-450. The 2015 F-350, which is perhaps a better comparison to the Ram 3500 HD pickup that claimed the towing crown in 2013 at an even 30,000 pounds, is capped at 26,500 pounds, either with a gooseneck or when towing a fifth-wheel trailer. In any case, it's going to take a load the size of Godzilla to make any of the current crop of fullsize heavy-duty pickup trucks break into a sweat. For those keeping track, Chevy rates its 2015 Silverado HD at a maximum of 23,200 pounds.
Ford's newfound pulling power comes courtesy of a larger turbocharger for its in-house Power Stroke engine, new fuel injector tips and, we'd assume, retuned computer controls. Besides the engine enhancements, the F-350 gets a wider front track for 2015 and new front springs, while the F-450 gains commercial-grade 19.5-inch wheels and tires, new rear U-joints, leaf springs, stabilizer bars and shocks. The steering and brake systems have also been upgraded.

Four Wheeler crowns Ultimate Factory 4x4... who wins?

Nearly every automaker doing business in the SUV or pickup truck segments offers a package designed to improve the off-road capabilities of its wares. But, of course, not all such factory kits are created equal. How, then, to separate the wheat from the chaff? Gather each of them up and put them through their paces, naturally.
The folks from Four Wheeler and PickupTrucks.com joined forces to run just such a comparison test, with the winner named the Ultimate Factory 4x4. A total of seven vehicles showed up to the fight: the 2012 Ford F-150 SVT Raptor, 2013 Jeep Wrangler Rubicon, 2012 Nissan Frontier PRO-4X and Xterra PRO-4X, 2012 Ram Power Wagon, and 2012 Toyota 4Runner Trail and Tacoma TRD T|X Baja Series.
With the contestants in place, the whole crew put each vehicle through a battery of tests that included skidpad and acceleration measurements, a hillclimb, a rocky stairstep course and a rock garden. Considering the nature of the beasts, on-road ride and comfort were not part of the routine.