2008 Volvo S80 T6 on 2040-cars

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2020 Volvo XC90 Inscription Interior Driveway Test | A lesson in minimalist luxury

We tend to love Volvo interiors. They’re beautiful, simple, inviting and a relaxing place to spend time in. Designers needed to get it right, too, because Volvo has applied the same styling and design language to every vehicle in its lineup. WeÂ’re focusing on the flagship today: the 2020 Volvo XC90 T8 Inscription. Since our tester is the Inscription trim, that means itÂ’s the most luxurious version of the bunch (Momentum and R-Line are the two others). Some highlights include perforated Nappa leather seats, a “tailored dashboard,” Gray Ash Wood trim inlays and the Orrefors crystal shift knob.  Our car had the Charcoal interior scheme to play along nicely with the trim. The contrast between the light wood trim and gray stitching with the black leather is pleasing to the eye. Volvo uses a gratuitous but not overwhelming amount of piano black trim to bring some shine to the interior. ItÂ’s nice to see and touch on the buttons, but gets dirty quickly around the flat gear lever area where dust tends to collect. Much of the dash is left blank in a nod to minimalism. WeÂ’re left with a large nine-inch touchscreen oriented vertically in the center, just like every other Volvo on sale today. This is flanked by the center air vents. ThereÂ’s little to no styling going on with the vents, which seems like a missed opportunity. Regardless, we dig the layered and nicely-stitched dash that comes with the Inscription model. Also nestled into the dash is this crossoverÂ’s 12.3-inch digital instrument cluster. ItÂ’s basic in its visuals, but plenty effective at conveying important car information. We like the more vibrant and customizable clusters from Mercedes-Benz and Audi a lot, but this one gets the job done and it isnÂ’t distracting in the least bit. Volvo has your back when it comes to comfort. Our tester has the Luxury Package, so itÂ’s equipped with massaging front seats, heated rear seats and a heated steering wheel. Additionally, Volvo finishes the headliner in Nubuck, and the grab handles and visors get leather. Unlike everybody else, Volvo allows you to choose between three levels of heat for the steering wheel. ItÂ’s noticeable to our hands, and is great when you want to add a little heat into your fingers without being scalded. As for the massage, itÂ’s backrest only. We wish it was back and bottom, but at least the programs available for your back are soothing.

2021 Volvo XC40 Review | What's new, pricing, where it's made, pictures

Most subcompact luxury models feel a bit like cheap knockoffs of their bigger, pricier brand mates. The 2021 Volvo XC40, by contrast, is a break from the Volvo norm in a good way. It rides on a different platform from other Volvos, resulting in a small SUV that's a bit more playful to drive, but still possessing the solid, refined feeling one expects from the brand. Its design is more utilitarian and youthful, eschewing luxury materials like chrome and wood in favor of elements like contrasting roofs and more vibrant colors (you can get orange carpet!). Importantly, it's also one of the larger, more versatile vehicles in the segment and provides more features for the money. Basically, it's a desirable vehicle to buy on its own merits in a segment that often feels like you got it cause you couldn't afford something pricier.   And for 2021, it stands out from the crowd even more thanks to the addition of the XC40 Recharge all-electric model. Admittedly, its 208-mile range and overall efficiency are modest, but there are so few alternatives that it still merits consideration, especially for those who intend to stay closer to home. What's new for 2021? The XC40 gets some minor feature content changes, but the big news is the addition of the XC40 Recharge all-electric model (it was supposed to arrive last year). Besides its powertrain, the Recharge gets subtle styling differences and the same Android Automotive tech interface found in the Polestar 2. What's the XC40 interior and in-car technology like? Volvo’s interiors are very tidy and architectural in terms of design, and the XC40 is no exception even if its specific design diverges from the 60 and 90 series norm. ItÂ’s pleasingly simple, using nice materials, comfort and conservative modernism as its foundation. Leather is even standard, though we would like to see an alternative provided, such as the beautiful woven textiles found in Volvos' other cars. Besides its design, one of the ways the XC40 differs from its siblings (and indeed its competitors as well) is its clever center console design. It features numerous large, grippy bins to store, secure and charge devices, plus useful cupholders and a sizable under-armrest bin. There's even a little compartment specifically designed to act as a garbage can. Clearly lots of care and thought went into the XC40. ThereÂ’s a lot of tech baked right in, too, from the standard vertically oriented infotainment screen to the digital instrument panel.

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.