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Author 13.7 % ?
SAL
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Registered: 19th Dec 05
Location: Radlett, Hertfordshire
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24th Nov 08 at 18:21   View Garage View User's Profile U2U Member Reply With Quote
Me and the GF went to look at a car for her on the wk-end. We decided on a audi from @ a good local dealer. We are happy with the prive of the car looking at what other's are for sale for atm.

The dealer offered finance for us @ 13.7 % fixed over 48 month's.

Before she start's looking into loan's etc, is this a good rate ? is it worth applying for more as she doesnt what laod's of application's on her credit history.

She did go to her bank and try but the rate was alot higher even though it was the same ammout to borrow

help
AndyKent
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Registered: 3rd Sep 05
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24th Nov 08 at 20:31   View User's Profile U2U Member Reply With Quote
How much does she need?
Twiggy
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Registered: 15th Oct 04
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24th Nov 08 at 20:58   View User's Profile U2U Member Reply With Quote
13.7apr? there is 2 types of interest on finance if i remember?
SAL
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Registered: 19th Dec 05
Location: Radlett, Hertfordshire
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24th Nov 08 at 21:23   View Garage View User's Profile U2U Member Reply With Quote
£9350
Colin
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Registered: 4th Apr 02
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24th Nov 08 at 22:55   View User's Profile U2U Member Reply With Quote
It sounds high but its probably about normal tbh. You could probably get a loan for that much between 7-10%, although ive not got a clue how easy it is to get a personal loan for 10k with the banking problems.
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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24th Nov 08 at 22:59   View User's Profile U2U Member Reply With Quote
Look at Nationwide. Their loads are fixed, and the same for everyone, no matter their credit rating. I remember seeing them lower than 13.7!
Colin
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Registered: 4th Apr 02
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24th Nov 08 at 23:02   View User's Profile U2U Member Reply With Quote
Blackhorse are good, ive got some tick with them, well several k's of 0% finance. I got a letter from them recently saying id been pre-aproved for car finance up to 15k or something!? There underwritten by lloyds tsb aswell.
mattk
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Registered: 27th Feb 06
Location: St. Helens
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24th Nov 08 at 23:45   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by deano87
Look at Nationwide. Their loads are fixed, and the same for everyone, no matter their credit rating. I remember seeing them lower than 13.7!


My mate has just got a £15 loan from these, his credit rating is fucking abysmal, he has only got this to pay off other debts
ash_corsa
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Registered: 15th Apr 04
Location: Shrewsbury
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25th Nov 08 at 00:09   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by mattk
quote:
Originally posted by deano87
Look at Nationwide. Their loads are fixed, and the same for everyone, no matter their credit rating. I remember seeing them lower than 13.7!


My mate has just got a £15 loan from these, his credit rating is fucking abysmal, he has only got this to pay off other debts


Christ times must be hard, I would have lent him £15
mattk
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Registered: 27th Feb 06
Location: St. Helens
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25th Nov 08 at 00:13   View User's Profile U2U Member Reply With Quote
we have a chippy over the road, its a chineese though so I dont go to it if I can help, they dont know how to do "propper" fish and chips
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Nov 08 at 09:11   View Garage View User's Profile U2U Member Reply With Quote
I'd be walking away at 13.7%
Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
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25th Nov 08 at 10:10   View User's Profile U2U Member Reply With Quote
Like Craig David?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Nov 08 at 10:17   View Garage View User's Profile U2U Member Reply With Quote
From the troubles in my life?
Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
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25th Nov 08 at 10:28   View User's Profile U2U Member Reply With Quote
That's the one.
SAL
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Registered: 19th Dec 05
Location: Radlett, Hertfordshire
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25th Nov 08 at 12:54   View Garage View User's Profile U2U Member Reply With Quote
Thanks for the help, might have to hold thing's atm then
Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
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25th Nov 08 at 15:04   View User's Profile U2U Member Reply With Quote
Vaux did 0% interest on a lot of their cars. Sometimes it can work out cheaper buying a newer car if that makes sense?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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25th Nov 08 at 15:07   View Garage View User's Profile U2U Member Reply With Quote
0% on the Corsa at the moment.
SAL
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Registered: 19th Dec 05
Location: Radlett, Hertfordshire
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25th Nov 08 at 15:19   View Garage View User's Profile U2U Member Reply With Quote
vauxhall
Pete_vxl
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Registered: 24th Nov 06
Location: Lochgelly, Fife
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25th Nov 08 at 15:31   View User's Profile U2U Member Reply With Quote
garages talk in APR and AER. AER rates will be a smaller number but when you transfer them to APR it goes up. so always take the APR rate and ask them to change it to APR if they give you AER

[Edited on 25-11-2008 by Pete_vxl]

 
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