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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 Toyota Tundra TRD Pro

Despite the earnest efforts of Japanese automakers like Toyota and Nissan, the American pickup truck scene remains wholly dominated by the likes of Ford, General Motors and Chrysler. This is not news. Part of the reason is because of the sheer number of variants offered by US automakers - everything from work-spec base trucks to house-leveling heavy duty models can be had, with a seemingly endless combination of engines, cab sizes, bed lengths and trim levels. It's a hugely profitable business, and though the Japanese automakers still offer competitive fullsize trucks, in terms of sheer volume, they simply don't compete.
But American pickups aren't just about work; there's a huge play aspect involved, too. Look at the desert-storming Ford F-150 SVT Raptor or the Ram Power Wagon - these butch trucks are built with superb off-road prowess in mind, and Detroit's Japanese rivals have once again largely been silent in this segment. Until now.
Introduced at the 2014 Chicago Auto Show, Toyota now offers the TRD Pro series of models that, in addition to the crazy-orange Tundra seen here, includes the smaller Tacoma pickup and 4Runner SUV. And this isn't just some pretty appearance package, either - there's honest-to-goodness capability baked into all of the TRD Pro models. Intriguing, for sure, so I recently spent a weekend with the big boy Tundra to see what's what.

Autocar pits McLaren MP4-12C against turbo Toyota GT86

The Toyota GT86, in all of its forms, is one of the best-handling cars money can buy, a trait that can put a smile on the faces of all but the most jaded car enthusiasts. But if good handling isn't what they're looking for, then what is? Our first guess would have to be more power, something the 200-horsepower Toyota would benefit from. Autocar tries out that theory by driving two turbocharged GT86s on track, then pitting the more powerful one against the 616-hp McLaren MP4-12C in a track battle.
The first GT86 turbo Autocar's Steve Sutcliffe drives makes around 255 rear-wheel horsepower and a bucket-load more torque than the stock car. That's plenty of power to either have a lot of fun or get into a lot of trouble. But the GT86 that Sutcliffe tails in the McLaren is race-prepped, stripped to the bone and wears slicks to harness a heavy-hitting 335 hp at the wheel. Weighing in at under 2,500 pounds, the Toyota can't overcome the MP4-12C's power-to-weight ratio of 5.3 pounds per horsepower, but it comes pretty close.
Enjoy a lot of chasing and drifting fun in the video below!