Originally Posted by ///ajd
For me fully loaded usually means all, or nearly all, the options - usually the new buyer has really gone to town.
Loaded usually refers to a car with the most important/popular options fitted. For me, this usually means:
Some of these might be subjective, but I always think the seller is having a laugh saying a car is loaded or high spec if it doesn't have eg nav or bluetooth
This means my new car is in fact fully loaded !