Posts tagged with "manufacturer"

How to Get a Lower Car Payment

As of February 2019, the average new car transaction price was $36,590. This is according to Kelley Blue Book, the leading automotive valuation authority in the United States. While that figure is actually lower than it was in January of 2019, when the average price was $36,765, it’s considerably higher than February of 2018 when it was $35,597.

With that said, along with these higher prices have come larger car loans. This doesn’t have to mean they’re unaffordable though. Here’s how to get a lower car payment—even with a larger loan.

Know Your Credit Score

Too many people go shopping for cars without knowing their credit score and the Annual Percentage Rate (APR) on a loan they’re entitled to, based upon that score. The higher your credit ranking, the lower your interest rate should be. The lower your interest rate, the less money you have to pay each month to service the loan. In other words, knowing what your credit history qualifies you to receive is one of the fastest ways to lower a car payment.

Get Pre-Approved for a Loan

Another thing you should do before shopping for a car is get preapproved for a car loan by your bank, credit union or another independent lender. That way, when you get to the dealership, you’re in a better position to negotiate your interest rate, because the seller knows they’ll have to compete with your existing offer.

Increase Your Down Payment

Most lenders like to see at least 20 percent down on a new car purchase. Meeting this figure can earn you a lower interest rate, which in turn will shrink your monthly obligation. What’s more, if you can go higher than 20 percent, you’ll lower your loan amount, which reduces the payment and the interest charges. Yes, you can get a car with less money down, but the more money you borrow, the higher your payment will be.

Longer Loan Term

Perhaps not surprisingly, another byproduct of those higher transaction prices is lengthier loan terms. In many cases people are stretching car loans out to 84 months. This can have the effect of lowering a car payment significantly. Then again, it also makes the car cost more in the long run. The longer the loan term, the more time interest has to accrue, which means the borrower pays more.

Refinance Your Car

Even if you’ve recently bought your car, you might qualify to refinance into one of the low APR car loans like those offered by RoadLoans. Therefore, it always pays to keep an eye on interest rates. What’s more, the newer your loan, the more likely you are to benefit from a refinance. It’s never too early to look into this possibility.

Lease Rather than Buy

Instead of taking on a loan for the full price of the car, you’ll pay only for the amount of its value you use over the term of your lease. This can result in significant monthly savings. If you decide you really like the car and want to keep it, you can buy it outright at the end of the lease term as a used car and keep those lower payments. Be sure to run the numbers on this strategy to ensure it makes good financial sense. But it’s a great way to get a nice used car, the history of which you can be absolutely sure.

The six tactics will help you get a lower car payment. However, be careful which strategy you employ. Some can wind up costing you more in the long run.

Lexus IS 350 F Sport

By Tara McDonough × Vaughn Lowery

As of late, 360 MAGAZINE took a road trip from Los Angeles to Palm Springs in the new 2019 Lexus IS 350 F Sport. The Friday midday drive took around 3 hours with heavy traffic and the Lexus handled like a dream, providing a comfortable and quiet ride.

With a red carpet ready exterior combined with the public presentation and speed of a cheetah, the $53,000 2019 Lexus IS 350 F Sport effortlessly combines luxury and performance. The clear and alluring looking vehicle makes a bold statement for Lexus brand sedans. The vehicle is intuitive and dynamic with brakes that feel stronger and suspension that feels tighter.

PERFORMANCE

The IS 350 F Sport gets a combined 23 mpg city/hwy. It uses 4.3 gallons per 100 miles. With a 311 horsepower and 280 pound-ft of torque, the Lexus leaps across the pavement, while maintaining a smooth ride. The vehicle is fitted out with a 3.5-liter V6 24-valve, dual overhead cam, direct injection, adaptive variable suspension and variable timing intelligent wide intake and exhaust. It boasts an 8-speed sport shift transmission with driving modes such as ECO, normal, sport and snow. The visibility and force in a car this size is impressive combined with less road vibration and responsive brakes. Very reminiscent of the 2003 Infiniti G35, Lexus really does it all in this 2019 IS 350 F Sport.

EXTERIOR

The appearance of the IS 350 F Sport combines dark chrome with a pronounced mesh grille which pairs nicely with its large black 18’’ split 5-spoke wheels. The motorcar is a compact and speed oriented vehicle enhanced with triple beam headlights.

INTERIOR

The inside holds a geometric style allowing for a sturdy yet cozy appearance. The sharp black interior is matched with leather and imitation grain wood paneling. It’s bolstered F Sport seating is heated and ventilated as well. In addition to its leather stitching, the left and right positions of the steering wheel are manually heated as well. This model comes with the classic F Sport gauge which which is controlled by the tinge of a button. Back seats fold down for additional storage, making the IS 350 F Sport the only Lexus Sedan model with the option.

SAFETY & TECHNOLOGY

The Lexus IS 350 F Sport received government 5-Star Safety Ratings in Overall Vehicle Score, Frontal Crash, Side and Rollover. It owes its safety capabilities mainly to the technology implanted into it.

Just a few aspects of the Lexus’s technology which works to ensure the safety of passengers are it’s blind spot monitor with rear cross traffic alert, it’s intuitive parking assist and the Lexus Enform Safety Connect & Service Connect. Other mentionable features include the Lexus Safety System+ which includes a pre-collision system with pedestrian detection, high speed-dynamic radar cruise control, lane departure alert with steering assist and intelligent high beam headlights. This model also takes into account the safety of our environment with a Fuel Economy & Greenhouse Gas Rating of 5 due to it’s eco mode gas saver. Due to this feature the 360 team was able to race from Los Angeles to Palm Springs and back with animalistic stamina and no need to refill the tank.

The IS 350 F Sport Model also comes equipped with a Mark Levinson audio which includes a navigation System with 10.3-in Color Multimedia Display, Mark Levinson 15 speaker and 835 Watt, 5.1-channel Surround Sound Audio System. In addition to the audio package the model comes with voice command, siri eyes free and Scout GPS Link TurnStrem(™).

CONCLUSION

The Lexus IS 350 F Sport is a vehicle made for successful self-motivated individuals who have a strong appreciation for extremely dynamic vehicles while additionally having the capabilities to comfortably seat five. Nevertheless, Lexus truly has found a means to win back car enthusiasts with this newly imagined entry level sports sedan.

Pre-order now!

360 magazine, Lexus, is 350, f sport

360 magazine, Lexus, is 350, f sport

360 magazine, Lexus, is 350, f sport

ECD AUTO

E.C.D. Automotive Design, known for their prestigious, high-end luxury vehicles, recently completed an aggressive LS3-powered custom Defender 110 in a stunning Crystal Covelline Blue finish.

Project Azure was designed to embody the iconic, yet subtle look of the British classic, but with something unique to the client. Pictures do no justice for the stunning Crystal Covelline Blue paint. Underneath the hood is an aggressive 6.2L LS3 V8 engine paired with upgraded headers and a full Borla Performance exhaust system for more power and an ultra-fierce growl. A set of 18” black Kahn Defend 1983 wheels pull together the clean exterior of this custom Defender 110.

The interior of Project Azure looks quite posh with Cadence Buckwheat and Black leather throughout. Occupants ride comfortably in the hand-trimmed custom seats. There are plenty of modern luxuries as well, such as a Sony infotainment system, a full JL Audio sound system, in-vehicle WiFi, wireless charging, and rear air-conditioning controls for all passengers.

If Project Azure is a preview of what’s to come from E.C.D. Automotive Design in 2019, then it’s a safe bet that they will continue to dominate the custom vehicle industry.

Tumbler and Tipsy

WHAT:

Michael Kuluva And Tumbler And Tipsy Debuted Its 2019 Spring / Summer Collection With Celebrities, Influencers And Royal Family Members As Noticeable Models

WHEN:

Tuesday, September 11th 2018

WHO:

Michael Kuluva, Amanda Lepore, Olympian Mirai Nagasu, Sumer Rayne, Portuguese entrepreneur Betty Grafstein, Gustavo Rocha, Tulio Rocha, Alex Mapeli, Savannah Kennick (“Arrested Development”), Xuitcasecity (Recording Artists), Jose Castelo Branco, Skye Tunes, Broderick Hunter, D’Andra Simmons (“The Real Housewives of Dallas”) Jennifer Lynn DeCllis (Miss New Jersey) and more.

Last week in New York, Michael Kuluva, international designer and creator of the Tumbler and Tipsy fashion line, displayed for many, his new 2019 Spring / Summer collection with a full runway show at Style360 New York Fashion Week. Returning this year for his 8th consecutive year, Michael’s collection was one that incorporated both inspiration from street artists and the colorful and exciting motif that has always been true to the Tumbler and Tipsy brand.

Michael displayed his collection to a full house with the assistance of close celebrity friends and associates including musical act Xuitcasecity, transgender icon and international model Amanda Lepore, Mirai Nagasu (Olympian Figure Skater and US Figure Staking Champion), Dalilah Muhammad (2016 Olympic Gold Medalist) as well as international Brazilian influencers Alex Mapeli, Gustavo Rocha and Tulio Rocha (14 Million followers on Instagram combined).

Celebrity guests who were in attendance include Savannah Kennick (“Arrested Development”) Skye Tunes, Broderick Hunter, D’Andra Simmons (“The Real Housewives of Dallas”) Jennifer Lynn DeCllis (Miss New Jersey) and more.

In addition to the street style collaborations, Michael Kuluva designed a special line with CLIQ Jewelry. n 2016 and in collaboration with CreakyJoints®, the digital, patient-driven arthritis community, Michael spoke out about his experience with Rheumatoid Arthritis and has now prepared a special accessory line for Tumbler and Tipsy consisting of jewelry with CLIQ technology. CLIQ Jewelry, a Philadelphia-based jewelry manufacturer, understands that traditional rings must be large enough to pass over the knuckle, causing them to twist, turn and slip off. Their CLIQ technology allows rings to open and close around the base of the finger to fit perfectly and comfortably.

Image credits:

@reginalynnvisuals and @premium_paris

About Tumbler and Tipsy

Anchored by the creative mind and brilliant talents of professional figure skater and fashion designer, Michael Kuluva of Tumbler and Tipsy is not only reworking, redefining and revamping the world of fashion, but is taking it over by storm one sequin at a time. This sexy yet stylish brand, which is produced in Los Angeles, CA, is a colorful collection that is distinctive but never repetitive, chic and classy while being comfortable and versatile. Tumbler and Tipsy is not just a line of clothing, it’s a collection of art, it’s an embodiment of chic fashion in the modern world, and it’s a representation of a lifestyle: fun, bold, luxurious and daring.

BUICK REGAL SPORTBACK

By Benjamin Reese × Vaughn Lowery

As if the name didn’t suggest it enough, the 2018 Buick Regal Sportback appears to have spent some time training for combat. At first glance, the Regal Essence can appear aggressive due to it’s sharp and narrow LED headlamps with their automatic self leveling system and cornering ability have a bit of “Demon” presence while the rear half of the chassis, with it’s raked roof is calm and collected. Overall the body porpotions have a “utopian” greenhouse effect. Buick claims there are “zero” edges on this car and you’d be hardpressed to find any.

If the looks aren’t enough to please, the cabin works well as a mobile office double with plenty of convienent driver ammenities such as the optional “sights and sounds” package. A premium HD audio system adds extra “oomph” by replacing the spare tire under the trunk with a subwoofer- not to worry as the roadside emergency tool kit with a tire inflator is supplemented. The passengers are never left out of the action with the Regals 4G LTE hotspot connection, including Blutooth streaming for Apple car play.

The 2018 Regal Sportback’s personality and charm really shine when it’s 2.0 liter turbocharged engine paired with a quick shifting 9-speed automatic gearbox work together like a complex watch. It’s fair to say that the Regal entices you to put the pedal to the floor while it begs you for more. Perhaps this is a result of the new Buick being assembled in Europe by Opel, a company that has had its fair share of cars built for the street that end up on the track.

Our Essence model, with the 18-inch machined wheels and optional fog lamps came out the door with a $35,800 price tag- not bad considering all of the performance and infotainment features, but it’s European build quality suggest a car that would retail for quite a bit more.

Buick, general motors, Vaughn Lowery, Owen Duckett, 360 magazine

360 MAGAZINE, BUICK

Photos by Owen Duckett

http://www.buick.com/sedans/regal-sportback-luxury-sedan

2017 FORD EXPLORER PLATINUM SERIES

photos × story: Vaughn Lowery

No one wants to recieve the dreaded call that a loved one has transitioned. As of late, I received that call. My father had passed and thus; I had to dessiminate the news to my 4 older siblings. Once funeral arrangements were planned, we all hurried down to Detroit to be reunited for his services.

Because our father drove and highly revered his 1983 scarlet red Ford Fairmont with matching interior, we resolved to reach out to Ford about possibly testing one of their models in his honor – the 2017 Ford Explorer Platinum Series

This variant of the Ford Explorer is arguably one of the most gorgeous in their lineup. Their engineers and designers, by using sustainable textiles and green manufacturing, have raised the bar. Ruby red enamel coats the exterior alongside a set of 20″ bright machine faced wheels. The grille appears to be refreshed, adorning LED foglamps and power folding side view mirrors. The overall look and feel of the vehicle is classy and a great deal more sophisticated than previous configurations. 

Underneath the hood is a 3.5L V6 twin turbo ecoboost powerplant – pushing 365hp with 350lb-ft torque. Drivetrain has a terrain selector for gravel, sand, snow and grass. Sport mode can be activated via pedal shifters behind the heated steering wheel or shifter box. Weighing in at around 5000lbs, this husky vehicle gets around 16mpg city, 22mpg highway and 18mpg combined – this came in handy as we chauffeured family members to and from the airport.

Inside the cabin is a step in the right direction for Ford: signature leather seats/floor mats, branded scuff plates, dual moonroof, second row middle console with bucket seats and third row power folding back seats (60/40 split). Furthermore, this car has loads of brains – keyless entry, remote start, cruise control, parallel park assist. The 8.2 inch display infotainment unit is powered by Sync 3 with larger icons/interface. It possesses Bluetooth capabilities, audio control, app screen, Apple CarPlay and Android Audio. 

Standout features which were reminiscent of a Range Rover – highly adaptive headlights and 180 degree front/back camera. This gave us additional comfort while we darted back and forth from downtown Detroit to Bloomfield Hills – some of the roads tend to be dark, wooded with limited street lamps. In addition, being able to load the vehicle with a simple foot swivel under the back tailgate easily allowed us to pack our dad’s ashes.

In short, the full-size six-passenger 2017 Ford Explorer Platinum Series lent excellent support to our family during an extremely tough time. And at a cost roughly $55,000 USD for all of the technology and innovation, it’s well worth every cent.

2018 ROLLS-ROYCE PHANTOM

Watch the Unveiling LIVE!

By Shin Takei × Vaughn Lowery 

July 27, 2017 was an epic day in London.  No it’s not about Brexit or the revival of the Beatles. It’s the introduction of the eighth Rolls Royce Phantom which started in 1925 with the first Phantom. Owned by those who seek extraordinary luxury the Phantom has been labelled the Best Car in the World. The actor, dancer entertainer Fred Astaire owned a Phantom I. Throughout its history those demanding the highest luxury drove a Phantom.

History of Phantom

History of Phantom (1925-2016)

The all-new 2018 Phantom VIII looks magnificent and no one will mistake it for anything but a Rolls Royce. A new sloping radiator grill with chrome strips starting at the top corners and leading back to wrap over the windshield is design cue that harks back to earlier Phantoms. The car is lower than the Phantom VII but looks more substantial and definitely keeps the Rolls Royce DNA.

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The Phantom VIII features an all-aluminum chassis architecture that will be shared by all future models. It gives “A Magic Carpet Ride” for the passengers because it’s lighter, stiffer, quieter and technologically advanced. As you enter the “Suite”, the “Embrace” feature senses your presence and softly closes the door after you. You are then in front of “The Gallery” a full-width art work that can be commissioned that spans the entire dashboard. Of course, there are champagne coolers and crystal flutes and wine chillers and glasses that you can enjoy in your individual suite. The Suite is the chamber of the most luxurious surrounding inside any car and one you would want in your house.

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An all-new 6.75 Liter Twin Turbo V12 powers the Phantom VIII and is quieter and smoother than ever. We have yet to drive or ride in one yet, but we will be reporting on it as soon as we get out hands on one. For more information, visit Rolls Royce Motor Cars Official.

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Introducing the architect behind the new Phantom VIII, Giles Taylor.

Giles Taylor is Director of Design for Rolls-Royce Motor Cars since 2011. The recently launched PHANTOM is his latest addition to the Rolls-Royce family, as well as the unique coachbuild “Sweptail” Phantom present here today on the concept lawn.  


Mr. Taylor brings to Rolls-Royce Motor Cars an exceptional design skills and a comprehensive understanding of British values and heritage that are so crucial to the marque.  He has successfully continued to maintain the outstanding design ethos that has defined Rolls-Royce for more than a century.

Mr. Taylor is a Court Steward of the Guild of Coachmakers of London. Prior to Rolls Royce he worked as a chief designer for Jaguar Cars, England over 14 years where he was responsible for the XK sports and XJ range. He graduated with a Master of Design from the Royal College of Art, London in 1992 and prior to Jaguar he designed for Automobiles Citroën in Paris.  Born 1968 in Somerset, UK. Married with two children. Graduate of Coventry University with a BA (Hons) in Transportation Design and a MDes (RCA) in Vehicle Design from the Royal College of Art.

Career
Seymour-Powell Design 

1989 Student 
Ford Motor Company 

1990 – 92 Sponsor and employer whilst studying at the RCA in London
Citroen Automobiles (PSA)

1992 – 97 Employed as an exterior designer at the Velizy Centre de Creation

Created the original concept for the exterior design of the Citroen Xsara to production – launched in 1996.  Created the original exterior design concept for the Citroen C3. 

Jaguar Cars

1999 – 2003 Design Manager for New XJ Interior

2002 – 2006 Chief Designer for New XK

2005 – 2009 Chief Designer for New XJ
Rolls-Royce Motor Cars

April 2011 Head of Exterior Design

June 2012 Design Director