1970 Ford Mustang Fastback Pro Street on 2040-cars

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This Or That: Fiat 500 Abarth vs. Ford Fiesta ST [w/poll]

They're pretty darn similar. And yet our views are oh so different.
If you guys could read the transcripts of our editors' chat room, you'd know that we're a pretty argumentative bunch. It's always good-spirited stuff (well, usually), but when we're not obsessively covering this or that, we're usually fighting about one car being better than another. We're all enthusiasts here, and our automotive tastes run the gamut from the weird and unusual to the decidedly mainstream - we all feel strongly about specific cars in a given segment. While it usually makes for good conversation, if we're passionate enough, it can turn into a tomato-throwing showdown.

Ford Focus RS configurator hits the Internet

Ford made waves yesterday when it drooped the performance and pricing details on the new Focus RS. Perhaps keen to keep the momentum going, the Blue Oval has launched the configurator for its new fire-breathing hot hatchback. As configurators go, this is a lot like the Ford's other build-your-own tools, only it's even more limited. The total list of options on the new Focus RS is quite light. You can pick from one of four colors, including the stylish Nitro Blue shown above, while there are just two interior upholstery schemes – partial black leather and full black leather for the standard Recaro seats. Your decision there will ultimately inform just how pricey your Focus RS will get. Opt for the full leather interior and you'll be stuck with the so-called RS2 package, which adds heated, powered front seats, a heated steering wheel, heated mirrors, and navigation to the standard SYNC3 infotainment system. Oh, and it'll also drive the price up by $2,785. Other options include a handsome set of 19-inch wheels, with the option of ultra sticky Michelin Pilot Sport Cup 2 tires. The wheels alone are a $1,395 option while adding the tires runs the price up $595, which is a bargain considering how pricey 19-inch PS Cup 2s are. The final option is a simple sunroof, priced at just $895. As you can see above, we've built our ideal Focus RS, finished in Nitro Blue with the 19-inch wheels, RS2 package (we live in Michigan, after all) and standard Michelin rubber. Yep, we passed on the more aggressive tire, with blame going to replacement costs. The total price comes to $41,480. Head on over to Ford's website and build your very own Focus RS, and then head back here and let us know how you optioned it, down in Comments. Related Video:

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.