I load up my x factor the way ICEMAN said. I use a moving blanket folded over several time (harbor freight has them very cheap) and set it on the rear edge of the roof. Set the kayak with the rear centered behind my jeep grand cherokee and have the bow a couple of feet forward of the bumper off to one side. Then when I lift the bow I can walk it over and set it on the blanket on the roof. With the kayak standing up I lift the rear end and slide it forward onto the crossbars. I lift up the adjustment levers on the crossbars beforehand so when the kayak slides forward it can't slide of the side of the car. I then flip it over so when it rests on the edges of the deck it it level. Then I tie it down with a couple of ratchet tie downs. It is very fast and very secure way to transport if your car had factory crossbars. It saves a lot of money in not needing accessories and save your back in only lifting one end at a time. Hope that helps.
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