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Author m&s car purchase plan
Colin
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Registered: 4th Apr 02
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26th Oct 12 at 16:00   View User's Profile U2U Member Reply With Quote
http://bank.marksandspencer.com/banking/car-buying-plan/overview/

Seen this the other night, basically a kind of PCP plan but your not tied to a particular car (so can chop & change as you wish), with up to 60% deferred until term.

Decent apr rates advertised (5.8%), looks not a bad way to buy a car if you need the old buy now pay later.

Think most folk take a bit of tick now days so may be of interest.
Tomnova16
Premium Member

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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
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26th Oct 12 at 16:02   View Garage View User's Profile U2U Member Reply With Quote
thats pretty good
same idea as getting a loan so not tied to car

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
Colin
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Registered: 4th Apr 02
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26th Oct 12 at 16:06   View User's Profile U2U Member Reply With Quote
Well yes like a PCP (% deferred for when you get rid of the car) but like a loan (can port it to other cars) seems decent.
ed
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Registered: 10th Sep 03
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26th Oct 12 at 16:19   View User's Profile U2U Member Reply With Quote
Shame I'm a youngster and you've got to be over 30
Wrighty_1988
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Registered: 30th Jun 06
Location: South Yorkshire
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26th Oct 12 at 18:16   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ed
Shame I'm a youngster and you've got to be over 30


Or a homeowner.
Kev_GSI
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Registered: 9th Oct 04
Location: C:\Uk\Chester_North West
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26th Oct 12 at 19:48   View User's Profile U2U Member Reply With Quote
its not to bad actually i used to call people and demand there money for m&s never got these really tho.
Aidan-Fleming
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Registered: 17th May 08
Location: Westhill, Aberdeenshire
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26th Oct 12 at 22:21   View User's Profile U2U Member Reply With Quote
Ha, just tryed it
Munchie
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Registered: 17th Jul 01
Location: I swap goats for mobile phones
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27th Oct 12 at 18:53   View User's Profile U2U Member Reply With Quote
I dont fully understand this??
John
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Registered: 30th Jun 03
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27th Oct 12 at 19:18   View User's Profile U2U Member Reply With Quote
It's not like PCP, it's just a loan with a deferred amount at the end, which you pay interest on the full amount, then need a lump sum at the end anyway.

Over 30 or homeowner btw.
MarkM
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Registered: 11th Apr 01
Location: Liverpool
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27th Oct 12 at 20:11   View User's Profile U2U Member Reply With Quote
Sounds like a decent product.
Munchie
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Registered: 17th Jul 01
Location: I swap goats for mobile phones
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27th Oct 12 at 20:17   View User's Profile U2U Member Reply With Quote
Next car is when im 30 anyway so might look at this in May 2013
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Online
27th Oct 12 at 22:36   View Garage View User's Profile U2U Member Reply With Quote
So its like a loan but the last couple of payments aren't arranged.

 
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