Car Financing For Your New or Used Bentley | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used Bentley Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. Bentley Auto Loan Amount Calculator Calculate your auto loan amount for a new or used Bentley. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. Bentley Loan Amount Calculator Bentley Auto Payment Calculator Calculate your auto payment amount for a new or used Bentley. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. Bentley Payment Amount Calculator |
Tuesday, December 1, 2009
Bentley Auto Loans
BMW Auto Loans
Car Financing For Your New or Used BMW | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used BMW Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. BMW Auto Loan Amount Calculator Calculate your auto loan amount for a new or used BMW. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. BMW Loan Amount Calculator BMW Auto Payment Calculator Calculate your auto payment amount for a new or used BMW. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. BMW Payment Amount Calculator |
Audi Auto Loans
Car Financing For Your New or Used Audi | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used Audi Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. Audi Auto Loan Amount Calculator Calculate your auto loan amount for a new or used Audi. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. Audi Loan Amount Calculator Audi Auto Payment Calculator Calculate your auto payment amount for a new or used Audi. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. Audi Payment Amount Calculator |
Aston Martin Auto Loans
Car Financing For Your New or Used Aston Martin | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used Aston Martin Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. Aston Martin Auto Loan Amount Calculator Calculate your auto loan amount for a new or used Aston Martin. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. Aston Martin Loan Amount Calculator Aston Martin Auto Payment Calculator Calculate your auto payment amount for a new or used Aston Martin. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. Aston Martin Payment Amount Calculator |
Acura Auto Loans
Car Financing For Your New or Used Acura | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used Acura Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. Acura Auto Loan Amount Calculator Calculate your auto loan amount for a new or used Acura. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. Acura Loan Amount Calculator Acura Auto Payment Calculator Calculate your auto payment amount for a new or used Acura. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. Acura Payment Amount Calculator |
Ferrari Auto Loans
Car Financing For Your New or Used Ferrari | ||||
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Apply online today for your auto loan. The application form is simple and secure. We look forward to financing your next automobile. New and Used Ferrari Auto Loans: Good Credit, Bad Credit or No Credit Whether you are looking for a new or used car, and whether you have good credit, bad credit, or no credit, myAutoloan can help you get the auto loan you need. Our online loan application is quick, easy to fill out and secure. We want to help you get an auto loan as fast as possible, regardless of your credit history. Even if you have filed bankruptcy, had a repossession or have bad credit, we have an auto loan program for you. If you are shopping for a new or used car, truck or SUV, take advantage of the fast, easy and secure online car application at myAutoloan. Ferrari Auto Loan Amount Calculator Calculate your auto loan amount for a new or used Ferrari. This calculator allows you to input the payment amount you can afford and an interest rate, then tells you the loan amount you can borrow. Ferrari Loan Amount Calculator Ferrari Auto Payment Calculator Calculate your auto payment amount for a new or used Ferrari. This calculator allows you to input the amount you want to borrow and an interest rate, then tells you what your payment is going to be. Ferrari Payment Amount Calculator |
Finding a Good Auto Loan When You Have Bad Credit
As it comes time to get another car, the local dealer will most likely try to get you to use a particular lender. This is due to the financial kick-backs that lenders receive for loan contracts from some loan companies. While this is a good source of profit for the car dealership, it's not the best option for you in many cases.
Just as with people that have good credit, it's always a wise idea to seek your own auto loan, so that you're sure that you're getting the true interest rates and the best payments possible. If you have bad credit, there are many things that you should consider when trying to find a good loan company to work with directly.
Initially, you need to find a loan company that offers the best auto loan rates for less than perfect credit.
They should be able to offer a lower rate, in exchange for a higher down payment. Although, down payments are not always necessary. They should also offer a full financial disclosure of exactly what your finance charges will be, as required by federal law. This offers you the ability to explore everything so that you can make a well informed, educated decision. As an example, you may find in the fine print that the loan is not actually a simple interest loan, in which case you would want to avoid doing business with that particular lender.
Also, check with the lender to see what kinds of options are available as to financing term. You want to make sure that you're getting a deal that truly benefits you over the long term.
What Are the Key Reasons of Having Different Interest Rates on Loans on New Versus Used Cars?
We all know that the interest rates are different between new and used cars, and they can never be the same, but do you have any idea why can't they be the same?
Fine, let us review together on some of the key reasons why used car tend to have a higher interest rates compared to a new vehicle.
a. A used car loan tends to have a higher default rates compared to those of new car.
b. The value of used car is difficult to be assessed compared to new car. Normally the value of a used car is estimated based on the age of the vehicle and the approximate standard market value of the used car based on its model and the vehicle 's history.
c. Less incentive is given for used car purchase. More people likes to buy new cars because they will be liable to get a lot of incentives from the sales dealer when they buy a new car, these incentives may be in the form of discounts on the vehicle selling price, or it may be of a lower interest rate. However all these incentives are not made available at all when you purchase a used car.
d. Only new cars are qualified for zero percent financing and not used cars. The rule of thumb is the older the car, the higher the interest rates. This is because of the high depreciation rate for the used car.
e. The rate will also be different between a secured loan and an unsecured loan. The latter will come with a higher interest rate for this type of loan will cover for the car insurance as well as for any offset of money which you need to top up with should you trade in your car one day and found that it is in upside down situation.
f. No history of possible accidents or damage for a new car. One of the key reason why people is less skeptical when it comes to new car purchase is because they do not have to worry about any undisclosed accidents or problems which the particular car may have. Instead for a used car, the owners may choose to hide the real underlying issues or problems of that vehicle. Because of this reason, as a rule of thumb, used car is normally attached to higher interest rate as compared to a new car.
Finding a Bad Credit Auto Loan
If you are in a tough situation then there is still hope for getting a auto car loan for bad credit. Bad credit car loans are designed for individuals that can't get a traditional loan through basic means of getting a loans because of past credit history, recent bankruptcies or because of low income. Most auto dealerships will take a chance on some borrowers depending on the situation and everyone is different so check with different companies to see what they can offer you as far as credit goes. If you are looking for an easy loan to qualify for it's going to take some work on your side but it's really possible to get approved. Just follow some basic steps to get you on your way.
Most people who try to get a loan don't look at the final numbers or the purchase price. Most just go through the process and sign on the dotted line. Make sure before signing anything that you look at the payment to see if it's affordable. Also look at the interest rate you are about to receive and make sure everything is covered by warranty. You don't want to go home with a lemon car that breaks down on you and now you are stuck with paying of a car you don't drive.
Dealerships will take advantage of you if you don't negotiate. Most people feel that if they have really bad credit that they just take what they can get and they are scared to negotiate because they might break the deal. Don't fall for this misconception, Make sure you try to get the interest rate down because even with bad credit you still can get an ok interest rate. So, if you negotiate just the interest rate alone. You will have a much lower payment in results to lowering the rate. Just remember to plan your strategy ahead of time because usually most are approved anyways because they need you more than you need them.
I understand that most people want the car of there dreams right away but with situations like these you have to take baby steps to achieve what you want. Start with a basic car and make your payments on time for at least a year and once your credit rating goes up, go for the car you always wanted. That way your interest rate is much less and much lower on that brand new car then deciding to buy it early with a payment that could possibly be doubled because of bad credit. If you always plan ahead you will soon be able to acheive anything.
Bad Credit Auto Loans - Avoid "Buy Here - Pay Here" Dealerships With Auto Loans For Bad Credit
If you have really bad credit, you've probably thought that the only way that you're going to be able to get a car financed is if you go to a buy here - pay here dealership. You know, those dealerships that finance their own cars?
While they guarantee auto financing for anyone that can come up with a big enough down payment, there is a catch, and it's a big one.
The cars that they sell are usually high mileage or undesirable models, with questionable mechanical histories. You end up paying so much more in finance charges, too. It's common for a buy here-pay here place to charge as much as 30% interest and in some states, laws have had to be established to prevent this form of predatory lending.
Cars are also priced very high at these types of dealerships. A car that may sell for $4000.00 at a regular car lot may be priced as high as $10,000.00, at a tote-the-note dealer.
So what can you do to avoid this if you need a bad credit auto loan?
The best way to get a bad credit auto loan without having to go to a buy here-pay here dealer is to do a little homework. You see, just because you've been turned down at a regular dealership in your town, doesn't mean that there aren't options for you. You can still get approved for an auto loan, and with some lenders - regardless of your past credit history.
Lenders that specialize in bad credit auto loans can help you with getting financed with little, to no money down.
One of the easiest ways of obtaining this is by working with online lenders. Whether you have a bankruptcy, repossession or just a lot of charged-off accounts, an auto loan is easily within reach if you simply use lenders that know how to overcome these obstacles.
Sunday, November 29, 2009
No Credit Auto Loans - Can You Really Get an Auto Loan With No Credit?
There are plenty of no credit auto loans that are available to people who have little or no credit. These types of financing companies allow individuals to purchase the new car that they deserve.
No Credit Auto Loans
Buying a new car can be a stressful event. You not only have to haggle car prices with a sales agent, but you also have to negotiate your car loan terms. However, you can simplify this process by getting no credit auto loans on the Internet.
By using an online quote system, receive quotes from companies that are willing to work with your particular credit situation. You will also be able view your offers and submit your personal information in the comfort and privacy of your home. You will not have to make rash decisions. You can walk into a car dealership knowing that you only have to bargain the price of your vehicle
Online quotes allows you to walk into a dealership with financing in hand. This means that you will not overpay for your car loan by letting a sales agent add on interest points to your loan to increase their profit.
Auto Lenders Have to Compete
Auto financing companies will fight for you business by providing you with competitive rates and terms. They understand that you will be receiving more than one offer on your auto loan request, and will furnish you with the best possible rates that they can give you. This means that you will get the savings that you need to make your monthly payment affordable.
No credit companies will determine their rates based on your employment history, income, credit score and history, car specs and the dollar amount requested for the loan. Some companies may require a larger down payment in order to offer you an auto loan package that is right for you.
Locating an online auto financing company is the easiest way to get the money necessary to purchase a new car. No credit auto loans allow you to get the car that you need.
Cheap Car Loan - How to Easily Get a Cheap Car Loan
There are many types of auto financing companies that allow individuals to get a cheap car loan. The best option in locating them is to use an online quote system.
Cheap Car Loan
A cheap car loan can easily be found by using an online lending institution because you, the consumer, can deal directly with the bank without a middle man such as a dealership. When you get involved with the dealership's finance department, you may receive the auto loan you require, but it may end up costing you several hundred, even thousands of dollars more for the same car.
By getting online quotes, you will be able to get exposure to multiple lending institutions using the same application. These lenders will be able to determine if they are willing to lend money to you based in the information contained in your application. This information includes your current employer, how much money you earn monthly or yearly, and where you currently live, among others. The data that is furnished by you allows them to make a loan package that tailored to your situation.
The Benefits of an Online Quote
If you were to use the car dealership's finance department, they may send your application to more than one lender, but what you may not know is that each lender will pull your credit report regardless of their answer. Your credit score will go down because there are too many inquiries, which will greatly affect your chances of getting the auto financing your require. Online quotes will use the same application and credit report/score to provide you with multiple financing quotes with the simplest of ease.
If you are not able to pay cash for a new or used vehicle, then you will have to secure financing to purchase the vehicle. To find a cheap car loan, you should consider requesting a free online auto quote to get the car that you've always wanted.
Auto Loan Refinancing - Does it Really Make Sense?
Refinancing is something that you may be hearing a lot these days. The economy has been hard hit and people are looking to save money. Refinancing is a way of trying to lower your costs. Refinancing a loan means that another lender loans you the money to pay off the primary loan. The idea is that a lower interest rate is paid and the terms are extended. This is a great way to save money.
Lower Interest
The lower the interest rate is on the loan, the lower the monthly payments will be. Not only that, but if you make your minimum monthly payments, the total cost of the loan is lower as well. This can mean big savings over the life of a loan.
Better Terms
A loan term is the length of time the loan lasts before it is finally paid off. The short term loans will have a higher monthly payment than a longer term loan. Terms are important to understand. Short term loans at low interest rates can increase your monthly payment, but will cost less overall. Longer loans at low interest rates will cause the payments to drop, but will increase the total cost of the loan.
Pay off Faster
One of the reasons people refinance is to pay off the loan faster. Even people that take longer terms may be able to pay off the loan faster than if they did not refinance. They take the money that they save on a month to month basis and apply that to the principle of the loan. This cuts down on the amount of time it takes to pay the loan as well as the total cost of the loan
Auto refinancing makes perfect sense. It can free up extra money every month or even allow you to get out of debt faster. You can save money, pay off other bills, or pay off the vehicle faster than before. Refinancing can provide you with more opportunities than you thought possible. Contact a specialist to find out how they can assist you.
Note: Generally, direct auto loan lenders offer lower auto loan rates. They are the way to go to save money in your next car loan application.
Saturday, November 21, 2009
Mercedes Benz SLS
This gull-winged beauty is on sale in Germany fromoff 16th of Nov,2009 for 170.000 Euros
(250.000 USD ).
571 HP,6.3 litres V8 engine,topspeed regulated in
at 317 kmph, 650 Nm torque and just a twoseater.
The real rebirth of 300 SL Gullwing of the fifties !
View on Mercedes-Benz-International Website !
The classic silver arrows of MB were born when the
traditional race colour of german racing cars
( white )were scratched off the cars by order of
legendary racing chief Neubauer in the thirties just to spare some extra kilos of weight.
So the " Silberpfeile " were a synonym for racing performance and winning in those days.
In the fifties,after MB has withdrawn her cars from racing after the horrible accident in Le Mans, France ( over 80 people were killed ) the Gullwing was built to remind people that racing was still in the MB philosophy.
The 215 HP, 3 litres inline-6 had a topspeed of
250 kmph and for this time, even Ferrari had to
struggle to come close.
(250.000 USD ).
571 HP,6.3 litres V8 engine,topspeed regulated in
at 317 kmph, 650 Nm torque and just a twoseater.
The real rebirth of 300 SL Gullwing of the fifties !
View on Mercedes-Benz-International Website !
The classic silver arrows of MB were born when the
traditional race colour of german racing cars
( white )were scratched off the cars by order of
legendary racing chief Neubauer in the thirties just to spare some extra kilos of weight.
So the " Silberpfeile " were a synonym for racing performance and winning in those days.
In the fifties,after MB has withdrawn her cars from racing after the horrible accident in Le Mans, France ( over 80 people were killed ) the Gullwing was built to remind people that racing was still in the MB philosophy.
The 215 HP, 3 litres inline-6 had a topspeed of
250 kmph and for this time, even Ferrari had to
struggle to come close.
Can I Get a Car Loan With a 500 Credit Score?
Having a credit score that is only 500 can create serious obstacles when it comes to getting a car. To get a car with a score as low as 500, you will have to most likely think outside of the box and explore resources to get approved that you may have previously not been aware of. You can easily get approved, however you will not get approved for $40,000 vehicle.
You'll have to set your sights to something reasonable and work on rebuilding your credit.
One big mistake...
Many people that have low credit scores around 500 frequently make the big mistake of using a dealership that has in-house financing. While this is okay as a final and last resort, it should not be the first option that pops into mind. The main reason that this can be a mistake is because a buy here pay here car lot is not going to help you to rebuild your credit. They simply do not report to any credit bureau and if you make your payments on time, you will not be reflected on your credit report whatsoever. Yes, you can use a buy here pay here dealer as a reference locally, if you've made your payments on time. They will not however, benefit you when it comes to your overall credit history when you are applying for a credit card or home loan.
You are much better off if you use a website that has a database of lenders that you can be matched with.
Corporate Driving Experience
Business drivers
On the fast track
In the driving seat
- Call 01932 373 707 for more details.
Refinance My Car With Poor Credit
A lot of people exclaim, "refinance my car" but very few are willing to what it takes to get a good car refinance loan when they have poor credit. The reality is that you essentially have two options when you have poor credit and need to refinance your car loan. You can either try to improve your credit so that you can get approved at some of the more reputable and conventional lenders, or you can roll the dice and apply to one of the many lenders that exist within the poor credit car finance space.
If you choose the latter option then you must be aware that it may not be worthwhile to refinance your current car loan when you are limited to such lenders because the interest rate and other finance charges they are going to charge you will often be higher than what you are paying for your current auto loan. Most people want to refinance their car loans to save money, and if you have poor credit and apply to a bad credit lender then you are going to have difficulty securing a rate that will save you money although you can still get approved.
The better option if you have poor credit would be to take the steps to improve your credit as many times it is not that difficult to raise your credit score back up to a respectable level without too much effort. The best things you can do that can produce the most effective results include repairing any errors that may be on your report, making any default accounts current, and paying down any high balances you have on your revolving credit accounts.
If you can do these things then your credit score can easily jump by a significant amount almost overnight, and you will then be able to apply to some of the more reputable and well-established lenders instead of having to resort to a bad credit lender. A bad credit lender can still provide you with a car refinance loan, and it is up to you to decide if it still may be advantageous for you to apply to such lenders. If you simply want a new car loan for whatever reason then this could be your best option, but always keep in mind that getting your credit back up to a respectable level is not that difficult and the reward can be extraordinary.
The home of Mercedes-Benz
As the flagship of Mercedes-Benz in the UK, and located on the famous Brooklands site, Mercedes-Benz World is a memorable day out for any motoring fan.
Not only can you get hands-on with all our cars; you can take the opportunity to test drive the latest models around the handling circuit, or put both the car and your driving skills to the test with one of our various Driving Experiences.
And although driving is our first passion, it's not all we have to offer. Inside, you can take a walk around the exhibitions and get up close to the famous Gullwing and Maybach. In the cinema, you can learn about the history of the Mercedes-Benz brand; and in the simulator you'll be transported down a production line.
Because all this can work up quite an appetite, our Café 1886 and Gullwing Restaurant offer a range of food and drinks, from light bites and sandwiches to three-course dining with trackside views.
As well as making for a fantastic day out, all these facilities - housed within our impressive building and grounds - are ideal for conferences, concerts and other special events.
Not only can you get hands-on with all our cars; you can take the opportunity to test drive the latest models around the handling circuit, or put both the car and your driving skills to the test with one of our various Driving Experiences.
And although driving is our first passion, it's not all we have to offer. Inside, you can take a walk around the exhibitions and get up close to the famous Gullwing and Maybach. In the cinema, you can learn about the history of the Mercedes-Benz brand; and in the simulator you'll be transported down a production line.
Because all this can work up quite an appetite, our Café 1886 and Gullwing Restaurant offer a range of food and drinks, from light bites and sandwiches to three-course dining with trackside views.
As well as making for a fantastic day out, all these facilities - housed within our impressive building and grounds - are ideal for conferences, concerts and other special events.
Auto Loans Payments - Managing Down Payments & Interest Rate
Auto loans can be very confusing, especially with all of the advertising that you see online, on television, and on the radio telling you that you can have a car to drive away with one a few dollars down and a few dollars a month for your car payment. When it sounds too good to be true, it probably is. An average person can expect to pay about $100 per month per $5,000 that is being financed. Interest is generally compounded, so the best repayment terms are generally afforded to those that can make a sizable down payment. However, if you do not have a sizable amount of money for a down payment you can usually obtain full financing as long as you have proof of employment.
The most important part about financing a car is to remember how much it is that you are actually paying for that car. It can be easy to get caught up in only having to pay a few hundred dollars a month for your car payment and totally forget about the total amount that you will be spending. Try not to lose sight of the big picture when you are sitting down with your representative at a dealer's office or online. Make sure that you are getting a good deal overall and not simply getting a payment that you afford that will ultimately cost you thousands and thousands of dollars in interest.
The best way to ensure that you will have a favorable interest rate on your car loan is to have good credit. However, this is not possible for many people in today's society. The good news is that the car dealers are just as desperate as you are, so walk into the dealer's office and explain what you are willing to pay. Be clear on what you can afford and be completely unwilling to budge from that figure.
Auto Car Loan Financing For People With Poor Credit Rating
When you have poor credit, you develop low expectations when it comes to dealing with potential lenders. Many lenders will turn down a person with bad credit and then, the desire to even look for a loan becomes weakened. However, when you find yourself in need of a new automobile such attitude is definitely not the way to go. After all, when you need a car you have to get one. That means you will need to find a lender willing to work with someone with poor credit.
Are there gimmicks involved with loans provided to those with bad credit?
In general terms, the gimmick oriented weak credit loans usually fall into the category of unsecured debt. An example of this would be a credit card with outrageously high interest rates and annual fees. A car loan is generally devoid of the bad trappings of "fly by night" unsecured loans because car loans are secured debt.
That is, those that default on the loan are subject to their vehicle's repossession. Once the lender repossesses the vehicle, it can be sold to recoup the remaining balance on the loan. While this is most definitely not a process that the lender would like to go through, it remains as a viable option in the worst scenario. Therefore, the lender can offer auto loans to those with bad credit with less risk than an entity lending without such a collateral.
What this means for those with bad credit is the fact that getting a loan for the purchase of a used car is not always as tough as it seems. There are lenders willing to deal with those with weak or below the average credit.
Bad Credit Used Auto Loans - Online Application Tips
Bad credit does not have to mean constant reject on auto loan applications if you look in the right place. You have to do your due research and comparison in order to find that lender willing to give you an auto loan regardless of your credit.
There is no need to delay that application for an auto loan, there are ways of getting that finance that you need but first let us go through a few things you need to take in consideration in order to get that application approved.
Tips for a successful used car auto loan application
1. Always choose a company that is Better Business Bureau registered and regulated by financial standards. This way you avoid high service charges, high interest and being ripped off in general.
2. Make sure that you have every single bit of information ready regarding your existing loans, debts household bills and any other outgoings that you pay. It is also advisable that you get together any other debts or payments that the household pays; there is a valid reason for this an it is that your credit file will be checked. However, it will only be used to determine your credit risk.
3. Make sure you have income details, employers details or self-employed details.
4. Honesty is a big player in your application; the more honest you are the more trusting the creditor will be.
5. Make sure you choose a service that will provide a credit line that is quick and has low interest rates and service fees.
6. Make sure you provide accurate personal details on the preliminary application form so that the creditor can get in touch with you asap. This is where you will get the chance to add anything you missed out if the company needs more information.
7. Once you have passed the initial checks you will be sent all the relevant forms to fill out and send back with your signature.
Note: Generally, direct auto loan lenders offer lower auto loan rates. They are the way to go to save money in your next car loan application.
Hector Milla runs the http://www.LowestAutoLoanRates.net website, where you can get an instant approval auto loan regardless of your credit.
Direct Auto Loan Lenders - Benefits of Going Direct
Those in need of purchasing a new or used vehicle do not have time to dally or waste. While no one should rush into the purchase of a new vehicle, it also would not be wise to needlessly delay the purchase beyond the window of opportunity timeframe. This is where a direct auto loan comes into play. With a solid direct loan from a reputable agency, the money one needs to make a vehicle purchase can be delivered almost instantaneously and for the proper use of the person seeking to buy the car.
Of course, getting a good deal is not always about expedited receipt of the cash involved. It is also about saving money on the car purchase. This means the potential buyer will need the best financing rate available. No one should pay more on interest than is needed and those that work with reliable direct lenders will discover quality financing rates are not as elusive as some believe.
Also, you need not assume that a direct lender is only interested in providing funds for the purchase of a new auto loan. The ability to procure a loan for used cars, the refinancing of a current loan, or even venturing into the territory of a leased buyout is possible. That opens the door for a great many buyers that are in need of a solid deal and excellent, fair financing options. Now can you see why direct lenders are so popular with so many people?
Actually, these loans have also developed a certain amount of popularity since there are lenders willing to work with those that may have less than desirable credit ratings. In some cases, bad credit can prevent many otherwise qualified borrowers from getting the auto loan that they need. When dealing with a solid direct auto lender, this may not be a problem as loans are possible even for those that have far less than adequate credit ratings. So stick with a direct auto lender. They have much to offer those in need of financing.
Note: Generally, direct auto loan lenders offer lower auto loan rates. They are the way to go to save money in your next car loan application.
Performance Package now available on 330i Coupes and Convertibles
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The 330i and 330Ci Performance Package has been created exclusively for the North American market for enthusiasts by enthusiasts at BMW Individual, a division of BMW M GmbH. Every aspect of the driving experience has been enhanced by the Performance Package. Engine modifications, which include different camshafts and performance-modified Digital Motor Electronics, yield a 10 horsepower increase to 235 for the 3.0-liter in-line six. A six-speed manual transmission is already standard; however, with the Performance Package it will include a shorter shift lever. The package also includes a shorter final drive ratio. The benefits of these modifications are immediately evident - the 330Ci with Performance Package will accelerate from 0 - 60 mph in 5.9 seconds-about half a second faster than a standard 330Ci. To match this power boost, a new sports suspension-more aggressively tuned than the 330Ci's standard sport suspension-is mated to 18-inch wheels with mixed-size performance tires(1). In addition to the wheels and tires, the exterior of the 330Ci Performance Package is distinguished by its Aerodynamic Package, high gloss Shadowline trim and an exhaust that not only appears, but also sounds more aggressive.
The look and feel of the interior has been refined with cloth and Alcantara sport seats matching the Alcantara sport steering wheel. An anthracite headliner and Black Cube aluminum trim complete an ambiance tailored to the enthusiast. Attractive Silver Cube aluminum trim is optional at no extra cost. The instrumentation includes red needles while the tachometer reflects the modified engine's 300 higher rpm limit. Production of the 330Ci Coupe and Convertible Performance Package will begin in March 2004 with the first cars arriving at BMW centers in April.
1- Includes space saver spare tire.
BMW M3 For 2004: The Legend Continues
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For 2004, the two M3 models – the M3 Coupe at $47,795 including destination charge and the M3 Convertible at $56,295 1 – continue. The Dark Blue soft top is now available on the Convertible with a wider range of exterior and interior colors.
During the 2003 model year, enthusiast media continued to weigh in with their praise of the M3s:
"The M3 Coupe is as comfortable on a race track as it is on the fast track of everyday life. Complete with all the aggressive performance-aimed suspension goodies – like big wheels, tires and brakes – the M3 hunkers down and shows everyone who looks its way that it means business. But get in the driver's seat and grab the thick M Sport steering wheel; if you can do that without a pump of the old adrenal gland, check to make sure you're breathing. A turn of the key, a blip of the throttle and the dulcet tones of its exhaust note will melt your heart."
AutoWeek, July 7, '03, declaring the M3 Best Sports Coupe.
"This is a strongly flavored choice, muscular and deliberate, ferociously powerful, and not at all shy about its performance compromises. It always acts like the automotive jock it is, every mile of every day."
Car and Driver, May '03 (Coupe)
"If anyone needs reminding why we have an enduring love affair with the BMW brand, here's your answer."
Automobile Magazine, April '03, concluding a 12-month/31,653-mile test of the M3 Coupe
"A practical, four-adult tool for the committed driving enthusiast."
Car and Driver, concluding a 40,000-mile test of the M3 Coupe
"The cool, classy look and feel of the whole car is absolutely top drawer, and you immediately sense that this is a serious driving tool put together by enthusiasts in Munich who really know what they're doing."
Automobile Magazine, February '03, naming the M3 as its GT All-Star
A brief history of the M3
The first generation M3 was essentially a racing car tamed for road use. Offered in the U.S. from 1988 through 1991, it was based on the then-current 3 Series generation (internal platform designation E30) and was a winged, spoilered 2-door sedan powered by a rip-snortin' BMW M 4-cylinder engine of 2.3 liters and 192 hp. This was a full-on BMW M engine, with 4 valves per cylinder at a time when no regular-production BMW had more than 2; an individual throttle for each cylinder; and other racing-style engineering finery. That M3 certainly wasn't for everyone, but it was a hearty and competent sporting machine; even today it has a devoted following.
The 2nd-generation M3 is better known. Based on the later E36 3 Series and making its debut for 1995, this M3 had a mission beyond BMW M's usual dedication to great performance and handling: to bring BMW M and its great driving machines to a wider spectrum of U.S. buyers.
This was accomplished by powering the M3 not with a traditional, highly elaborate BMW M engine, but rather with a specially developed version of now-standard BMW practice: an inline 6-cylinder engine with dual overhead camshafts, 4 valves per cylinder and a single throttle. Taking this approach, BMW M created an engine of 3.0 liters and a solid 240 horsepower; in '96 the engine grew to 3.2 liters and delivered more torque. Within the range of speeds American drivers experienced, this engine provided thrilling performance, yet cost thousands less to produce. The rest of the car was very much the same M3 that Europeans could buy.
Today's M3:
3 Series perfection, M muscle
As universally acclaimed as the 1995-99 M3 was, progress never stops at BMW – nor at BMW M.
So it is with the 3 Series; in its present incarnation, the E46 platform, the 3 Series is better than ever. Thus based on the 3 Series, the M3, too, has been brought closer to perfection in its E46 form. Yet the current M3 is more than just a "3 Series plus": Like all M Cars, it is very much its own machine, a true and gifted sports car, whether in coupe or convertible form.
A bold approach to power
creates amazing capabilities
As multi-talented as any M Car is, its heart is always the engine. Under the M3's domed hood, then, is an engine like none other. In its broad concept, the M3 engine, designated the S54 , shares its format with other BMW inline 6-cylinder engines. Virtually all of its engineering details, however, are unique and oriented to the very highest level of performance.
Given that other current BMW "sixes" have an aluminum block with cast-iron cylinder liners, it may be surprising that the S54 M3 engine has a cast-iron block. Why?
Compactness is the primary reason. An inline six is longer than a V-6, and BMW nurtures the inline layout because of its superior smoothness and sound. An aluminum block's cylinder liners take up space; with liners it would not have been possible to achieve the engine's 3.2-liter displacement without lengthening the block.
The second reason is strength. Given that this engine develops fully 333 hp from 3.2 liters – significantly over 100 hp per liter – its internal stresses are immense. According to M3 Project Director Siegfried Friedmann, BMW engineers researched a silicon-impregnated aluminum block (as used in BMW V-8 and V-12 engines), which would not require liners. They concluded that a cast-iron block could best sustain the engine's high cylinder pressures and very high piston speed at maximum rpm. (Current Formula 1 engines reportedly attain piston speeds around 25 meters per second; with 24 m/sec. at its rpm limit of 8000 rpm, the S54 is quite close.)
The block accommodates the engine's bore and stroke of 87.0 x 91.0 mm, up from the regular-production BMW 3.0-liter six's 84.0 x 89.6 mm. However, playing much larger roles than increased displacement in the nearly 100-hp increase over the most powerful 3 Series engine are the M3 engine's induction, combustion and exhaust engineering, together with its execution as a high-rpm engine. The starring role here is played by a cylinder head that could be termed "exotic."
Tour de force: the cylinder head
Feature-by-feature, the cylinder head (of aluminum) joins exemplifies the tradition of BMW M cylinder heads. Its key features include:
Double VANOS steplessly variable valve timing. The S54 engine has stepless Double VANOS , which varies valve timing on the intake and exhaust camshafts. Though Double VANOS is employed in all other current BMW engines, as used in the M3 unit it varies timing over a wider range and contributes in a major way to the engine's stratospheric power output.
VANOS pressure pump. The M3 VANOS system has its own radial-piston hydraulic pump; in regular-production BMW engines the main oil pump supplies the pressure to operate VANOS. Integral to the exhaust camshaft's VANOS mechanism, the pump produces up to 120 bar (1740 lb./sq in.) of pressure. Herbert Vögele, who directs engine development at BMW M, explains that this high oil pressure enables the M3's VANOS to vary valve timing more quickly at the very high rpm it reaches. Thus BMW M refers to the M3's VANOS system as High-Pressure Double VANOS.
Unique valve mechanism. Regular-production BMW 6-cylinder engines employ bucket-type hydraulic lifters, actuating the valves directly with minimum noise and no periodic adjustment. For an engine with the S54's rpm potential, BMW M engineers needed less reciprocating mass.
To achieve this, they created a different actuating mechanism, using finger-type rocker arms. Pivoting on their own shafts (one on the intake side, one on the exhaust), these small arms reach out to provide the actuating surface between camshaft and valve. As the entire arm does not move the distance of valve lift, its effective reciprocating mass is less than its actual mass – and it weighs less than the "bucket tappets" in the first place. When all is said and done, the effective mass is 30% less; in turn, this allows lighter valve springs, which further reduce inertia. The system also has less friction.
As there is no hydraulic maintenance of valve clearance, it does have to be inspected periodically. Lead engine engineer Helmut Himmel asserts that it is unlikely that clearance will ever require adjustment, but if so it is done with shims (tiny metal discs of various thickness) without removing the camshafts.
Whereas the "regular" 6-cylinder engines have a simplex (single) primary chain driving the exhaust camshaft and a smaller secondary chain driving the intake camshaft from there, the S54 has a full duplex (double) chain driving both camshafts directly. As usual with BMW engines, the chain is hydraulically tensioned and needs no periodic adjustment or replacement.
Extra-high compression ratio. At 11.5:1, the M3 engine has the highest ratio in current BMW production. (The 760Li's V-12 engine comes close with 11.3:1.)
Machined surfaces. "Engineering finery": The combustion chambers and intake ports are completely machined, for smoothness that facilitates airflow. The exhaust ports are partially machined. For durability, the valve seats are of especially hard steel. A 3-layer stainless-steel head gasket ensures effective sealing of the head to the block.
Head casting and sealing. Extreme strength in the cylinder head is achieved by making it a single aluminum casting. Though more difficult to realize than the previous European engine's 2-piece head casting, this construction also saves a significant 29 lb. And as this weight reduction is at the top of the engine, it helps lower the car's center of gravity.
Induction system:
BMW M tradition, state-of-the-art technology
The M3 manifests an important BMW M tradition: an individual throttle for each cylinder. Positioned much nearer to the cylinders than a single throttle can be, these bring atmospheric pressure practically right to the cylinder. The "lag time" inherent in airflow into the cylinders is thus greatly reduced and the engine can react more quickly to throttle movements.
In the M3 system of electronically controlled individual throttles, all six throttles operate from a single shaft, each in its own throttle body right at the intake ports. Via the accelerator pedal and its two potentiometers, the driver gives the commands, which in turn are processed by the engine control module and received by a DC servo motor. The motor drives the throttle shaft through a tiny gearbox.
Upstream of the throttle bodies are the six intake trumpets, made of weight-efficient fiberglass-reinforced PA6 thermoplastic; these are laser-welded into the induction plenum of the same material to form a single assembly.
M Dynamic Driving Control provides Normal and Sport settings for throttle response. In Sport, selected via a console switch, the ratio of throttle opening to pedal movement is increased so that apparent engine response is even quicker. Even the transitional response of the electronic engine controls is altered to suit. Drivers tend to find one or the other setting more to their liking, or choose them according to driving conditions or mood. The system always reverts to Normal when the engine is started.
Together with the stepless VANOS, this elaborate induction system adds to the engine's immense breathing and fuel/air processing capabilities.
Exhaust system:
engineered for free flow
The M engine team led by Messrs. Vögele and Himmel developed one of the freest-flowing exhaust systems ever installed in a production vehicle. After the partially machined exhaust ports, it begins with two elaborately snaking stainless-steel headers serving three cylinders each.
These headers are formed under high pressure with water inside them, which ensures an even distribution of the forming pressure and thus consistent wall thickness. In turn, this process allows stainless-steel walls only 1 mm thick (about 1/25th of an inch), not only helping save weight but also hastening engine warmup as there is less metal to heat up after a cold start.
Each header is a single piece, thus not welded-up as are most headers.
In one of the few differences between the U.S. and European versions of this engine, whereas the Euro model's converters are under the floorpan, in the U.S. version engine each header also includes the catalytic converter. This puts the catalysts closer to the engine, improving emission control when the engine is started from cold and meeting more stringent U.S. regulations in this regard. Four Lambda (oxygen) sensors are employed; the engine complies with U.S. LEV (Low Emissions Vehicle) limits.
From the catalytic converters rearward, the exhaust system continues as a true dual system through a large, L-shaped muffler/resonator and four polished outlets that speak the authoritative tones of M Power. This elaborate and efficient exhaust system imposes fully 40% less back pressure on the engine than that of its European-version predecessor, and of course this too contributes to the engine's power output.
High-performance lubrication and cooling
To help ensure adequate lubrication under the high cornering, acceleration and braking loads the M3 attains, the S54 engine employs a "semi-dry-sump" oiling system. Particularly in hard cornering to the left, it is critical to ensure return of oil to the pan; therefore, integrated into the gear-type pressure pump is a scavenging pump that collects oil from the right side of the small forward oil sump and pumps it back into the main, larger rear sump. This rear sump is almost completely closed off from the rest of the system, and thus able to hold the oil necessary for lubrication throughout the engine. Specific return passages are also incorporated into the intake (left) side of the engine to help ensure ideal oil flow under all operating conditions.
The graphite-coated aluminum pistons are cooled by oil spray, and each valve rocker arm is sprayed with oil just as it is about to be loaded by its camshaft lobe.
A thermal sender monitors oil level and temperature. If the level drops low, a warning appears in the instrument cluster; the tachometer face includes the oil-temperature gauge.
The M3 cylinder head incorporates crossflow cooling; this promotes consistent temperatures from the front to the rear of the head, helping minimize distortion and wear under the extreme heat such a high-performance engine develops when its full power is being exploited.
The high-rpm concept
High engine speeds are essential to achieving such high power from moderate displacement, but they pose challenges; engineers must ensure that durability standards are met and that the engine performs properly at these levels. The M3 engine's maximum power occurs just below its 8000-rpm limit at 7900 rpm.
To achieve the revving capability, the engineers applied a number of detail measures. A forged, nitro-carbonized steel crankshaft provides great strength in this critical component. Forged-steel "crack" connecting rods eliminate the need for bolt sleeves and thus reduce reciprocating weight.
Demonstrating just how many details can go into realizing the high-rpm concept, a unique water pump plays a role too. The crossflow cooling, essential to the high-speed operation, requires high coolant flow. To achieve this, the engineers developed a pump with 3-dimensionally contoured vanes. Such contours would have been inordinately costly to produce in metal, so BMW M developed a novel pump design. Each vane is a small plastic casting, pressed into an also-plastic rotor and then welded into place. Also adding cooling efficiency is a ring-type thermostat, which imposes less resistance to coolant flow than a conventional plate thermostat.
Electronics play their role too. BMW fully developed the S54's control module: Manufactured by Siemens and called MS S54, this unit "can do everything, and do it fast," as Helmut Himmel says. Every 6 degrees of crankshaft rotation, it calculates and adjusts the ignition and fuel injection at each cylinder individually. Ignition takes place through a very small-diameter "pencil" coil at each cylinder.
Spectacular results:
Power, torque, revs, performance, sound
All this major and detail engineering work results in a remarkable, high-performing, great-sounding sports engine. Powered by its 333 hp through the standard 6-speed manual transmission, the M3 coupe sprints from rest to 60 mph in a thrilling 4.8 seconds – same as the M5 – and continues on to an electronically limited maximum of 155 mph. In a March '03 comparison test, Road & Track that "the M3's engine possesses an uncannily smooth power delivery. Not only smooth, but also flexible, the M3's six has a wide, usable powerband. Midrange punch is already good, but once above 4000 rpm, the engine adopts an even more menacing snarl as it pulls strongly right up to the redline."
Great looks too:
the view under the hood
Following a long BMW M tradition of visually attractive machinery, the S54 engine's appearance is as beautiful as its engineering. Tubing – for the idle air supply, fuel to the injectors, fuel from the fuel pump – is stainless steel. Housed in cast aluminum, the VANOS mechanism projects prominently forward of the cylinder head. Stainless-steel screws secure the camshaft cover. Chrome rings hold the induction trumpets to the ports. The "M" logo and a special M oil filler cap adorn the front of the camshaft cover.
M3 drivetrain:
getting S54 power to the road
Like every M Car to date, the M3 transmits its power to the road via classic rear-wheel drive ; the M3 packs some premium and fascinating engineering into its drivetrain.
6-speed manual transmission. Both M3s come standard with the robust and precise Getrag Type D 6-speed manual transmission, crisply controlled by a shift knob with illuminated shift pattern and M logo.
The transmission housing incorporates NACA air intakes which, together with careful aerodynamic design of the underbody, help keep internal transmission temperatures down; the engineers speak of 30˚C (about 55˚F) cooler oil than if these measures had not been taken.
Super-sized differential unit. Significant modification in the rear-suspension area, including an all-new subframe, has allowed equipping the M3 with the same heavy-duty differential dimensions as in the 394-hp M5, whose production recently ended. A special high-strength steel alloy, called 18CrNiMo7, is used for the differential gears to achieve superior quietness and durability. A relatively "short" final drive ratio, 3.64:1, exploits the engine's generous torque and rpm range; the 6th gear keeps it humming moderately at cruising speeds. Here too, targeted airflow under the vehicle helps keep the oil cool, along with a ribbed differential case.
M Variable Differential Lock. Together with the German division of GKN Viscodrive, BMW M engineers developed a special mechanical limited-slip differential for the M3s.
The principal (and principle) difference between a traditional limited-slip "diff" and this M Variable Differential Lock is that the former senses torque, the latter senses wheel speed (rpm). Under dry to not-quite-dry road conditions, the traditional limited-slip has long enhanced the handling of sporty rear-wheel-drive BMWs; however, under slippery conditions, this differential type has limited ability to improve traction. On all current BMW models, electronic traction control addresses this issue.
The M Variable Differential Lock specifically addresses low- and split-traction situations in a way that reinforces sporty handling, imparting to the M3 a slippery-road ability no previous high-performance, rear-wheel-drive sports car ever had.
Any time a speed difference develops between the two rear (driven) wheels, a shear pump, driven solely by this difference, develops pressure in the silicon viscous fluid in which the lock operates. In turn, this pressure is directed to a multi-disc clutch that transfers driving torque to the wheel with the better road grip ("select high"). The greater the speed difference between the two wheels, the more aggressively the clutch engages. As soon as the difference between the two wheels' speeds begins to diminish, the clutch starts to ease off.
This mechanism is "elegant," in that it achieves sophisticated action by entirely natural means. There is no external pump, no external source of lubrication or operating fluid. The very motion to be controlled – differences in speed between left and right wheels – generates its locking action. Viscous fluid is so-called because it develops internal force (via an increase in viscosity) whenever it is sheared; this is why the relatively small difference between one wheel speed and the other can generate the necessary action.
Dynamic Stability Control. This electronic traction and stability system, standard on all current BMWs, complements the M Variable Differential Lock.
DSC optimizes traction by electronic means, sensing wheel-speed differences and reducing engine torque and/or applying individual rear-wheel brakes. The crucial difference to the M3 driver between the M Variable Differential Lock and the DSC traction function is that the former in no way impedes power delivery, and is hence suitable for performance driving.
Yet in fact, even DSC's traction function in the M3 is calibrated to M-specific parameters. In cooperation with Continental Teves, BMW M engineers developed a logic that, in combination with the fast-reacting engine, performance-oriented gearing and M Variable Differential Lock, achieves the desired traction optimization in a more M-compatible way…in other words, without undue interference with M3 performance and the differential lock's ability to get power to the road.
The DSC stability-enhancing function is essentially unrelated to traction. Sensing differences in wheel speed in a critical cornering or avoidance maneuver, DSC detects any deviation from the normal cornering path (abnormal understeer or oversteer) and gently applies individual wheel brakes to help the driver keep the vehicle on the intended path.
Sequential Manual Gearbox (SMG):
a special way to drive a performance automobile
Given the M3's performance nature, it does not seem logical to offer an automatic transmission as such; no matter how good – and BMW's 5- and 6-speed automatics are among the best – an automatic transmission incurs some performance loss relative to a well handled manual gearbox. On the other hand, given today's capabilities in electronics and hydraulics, it does make great sense to enhance the M3's 6-speed manual transmission with some automated operation. This is accomplished with the optional Sequential Manual Gearbox (SMG).
In conceptual terms, the SMG system consists of –
- The same 6-speed manual transmission as is standard in M3 models.
- An electrohydraulic mechanism that does the actual gearshifting and clutch actuation.
- Electronic controls that regulate the electrohydraulic mechanism.
- The driver interface, which includes a shift lever on the console and shift "paddles" on the steering wheel.
There is no clutch pedal. On the console is a short, sporty shift lever with R (Reverse), N (Neutral) and S/A (Sequential/Automated) positions, plus "–" and "+" directions. The shift pattern appears on the shift knob and in an instrument-cluster display. Behind the shift lever is a program selector, with which the driver may select –
- In the Sequential mode, 6 programs ranging from "softest and slowest" shifts to "firmest and quickest" shifts; i.e. from most leisurely to sportiest.
- In the Automated mode, 5 programs of similar gradation.
In the dash display, the selected program is shown in a bar graph that repeats the graphic of the program selector switch. The gear currently engaged is shown as a numeral at the left of the indicator; in A, an "A" appears next to the gear indication. At the right side of the shift pattern, "S" is shown if the automated mode is currently engaged, and vice versa; this indicates which mode will be obtained if the lever is moved in that direction.
The vehicle may be parked in R or S/A, not N. To start the engine, the selector must be in N and the brake pedal applied. This accomplished, the driver then selects R or S/A (again with the brakes applied). When moving off from rest in A, the system automatically selects 1st gear, and shifts up through the gears to 6th as road speed increases. In this sense, the A mode resembles the operation of an automatic transmission – but only resembles, not duplicates, it.
Sequential (S) mode. In this mode, the driver has full control over shifting. Pulling the shift lever rearward in the "+" direction, or actuating the right-hand "paddle" on the steering wheel, effects upshifts; pushing the shifter forward ("–") or actuating the left-hand paddle effects downshifts. It's that simple:
- S1-5: Selected by the console switch and indicated in the instrument-cluster display, the programs range from "softest" to "firmest" – that is, in 1 the shifting is accomplished at a relatively leisurely pace, in 5 much more quickly. The driver's criterion here is how sportily he or she wants to drive; in any of the programs, the higher the engine speed the quicker the shift.
- S6: To select this most race-like program, the driver must switch off the Dynamic Stability Control system. Minimum shift time in S6 is 80 milliseconds; under equal conditions, the "slowest" shift program (1) takes 2-4 times as long to complete a shift.
The word "sequential" signifies the basic concept of "one gear at a time" – each tip of the shift lever or shift paddle moves the transmission up or down one gear. However, the driver can skip gears by simply hitting more than one shift in quick succession. Whenever and however the driver calls for a shift, the response of SMG is immediate and satisfying.
The BMW 5 Series Sports Wagon: Perfect Synthesis of Dynamic Performance, Elegant Refinement and Extra Space
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The reason, quite simply, is that the new five-door model offers BMW's proverbial flexibility in everyday use in addition to the outstanding dynamics of its four-door Sedan counterpart. With its luggage compartment variable in size from 500–1650 liters the Sports Wagon caters for virtually all transport requirements.
Unique design:
The ideal blend of common sense and superior elegance.
It almost goes without saying that the new 5 Series Sports Wagon wraps this generosity in space and freedom into the most elegant and stylish body:
With its own unique line, the Sports Wagon takes up the dynamic design
elements of its Sedan counterpart, featuring the same striking front end all the way back to the B-pillars. From there the smooth transition to the D-pillars is fully integrated into the organic design of the car, not in any way creating the impression of a rear section simply grafted on. On the contrary – the Sports Wagon with its rear spoiler optically extending the roofline is almost reminiscent of a coupe, the rear view with split tail lights clearly revealing the unusual width of the car and consciously interpreting styling features of the sedan.
Making its debut with a choice of no less than four engines.
The new BMW 5 Series Sports Wagon is entering the market with four model variants: two diesels – the 525d and 530d – and two petrol models – the 525i and 545i. A new addition to the range is the 2.5-liter diesel, a straight-six featuring the latest common rail technology, four valves per cylinder and a VNT turbocharger developing maximum output of 130 kW (177 bhp) and maximum torque of 400 Newton-metres or 295 lb-ft.
Acceleration to 100 km/h in 8.3 (automatic transmission model: 8.5) seconds and a top speed of 225 (222) km/h (140/138 mph) clearly prove the dynamic performance the 525d Sports Wagon is able to offer on the road. But at the same time this new version of the Sports Wagon is not only sporting and dynamic, but also very fuel efficient, with overall fuel consumption in the combined EU cycle of just 7.0 (8.0) liters/100 kilometres (40.4/35.3 mpg Imp).
The power diesel Sports Wagon.
The power diesel in the BMW 530d reveals even more muscle when accelerating and really using the engine's performance: The three-liter six-cylinder develops maximum output of 160 kW (218 bhp) and generates maximum torque of 500 Newton-metres or 369 lb-ft at just 2,000 rpm. Acceleration to 100 km/h in 7.2 (7.4) seconds and a top speed of 242 (240) km/h (150/149 mph) form an impressive contrast to average fuel consumption of just 7.2 (8.0) liters on 100 kilometres (39.2/35.3 mpg Imp). Right from the start in spring 2004 both the 2.5- and 3.0-liter diesel engine, benefitting from an all-new particle filter, fulfil the EU4 emission standards not coming into force until 2005.
In the guise of its 545i top-of-the-range model, the 245 kW (333 bhp) high-tech 8-cylinder power unit gives the "transporter" within the 5 Series all the performance and muscle of a genuine sports car. Indeed, the customer even has the option of choosing BMW's highly efficient SMG sequential gearbox for the 545i Sports Wagon, shifting gears like in Formula 1.
The 2.5-liter petrol-engined model in the 525i represents the refined midfielder within BMW's six-cylinder Sports Wagon range: Maximum output of 142 kW/192 bhp, plus maximum torque of 245 Newton-metres (181 lb-ft) accelerate the 525i Sports Wagon to 100 km/h in just 8.2 (8.8) seconds. Top speed, in turn, is 232 (229) km/h or 144 (142) mph. Despite this outstanding performance, however, the six-cylinder petrol model requires just 9.9 (10.3) liters of premium fuel/100 kilometres in the combined EU cycle, equal to 28.5 (27.4) mpg Imp. So this refined model offers all the qualities typical of the BMW brand with outstanding dynamism, performance, smoothness and all-round economy, providing a perfect balance of harmony in the process.
Same assistance systems as in the sporting Sedan version.
It almost goes without saying that all models in the Sports Wagon range come with the same innovations and technical highlights as the 5 Series Sedan. Particular features deserving special mention in this context are the Active Steering providing exactly the right steering transmission at all times as a function of road speed, the active Dynamic Drive chassis and suspension system, as well as the Head-Up Display presenting important information to the driver directly in his line of vision. Added to this, there are further features typical of the Sports Wagon such as remote control operation of the rear lid or self-levelling featured as standard.
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