t_benn_1
Member
Registered: 28th Sep 04
Location: Shropshire
User status: Offline
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Looking for a new car for the daily 80mile commute
So far looked at A3 2.0tdi, mk6 golf 2.0tdi and bmw 118d 318d and 320d
Looking to spend around 12-13
2.5k cash finance the rest.
So far i think the audi's coming out the better deal although bmw finance is better
I'll be doing 20-25k a year.
Needs to be good on fuel, carry a push chair.
Any thing else i should look at?
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Sly_SRi
Premium Member
Registered: 9th Apr 04
Location: Reading, UK Drives: Corsa C
User status: Offline
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Don't get a car on finance. Take a loan out and buy it that way if you have to.
And get a 123d. Best all rounders in the world. Probably.
Corsa C Z20Let
Black Sleeper Turbo Project
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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A loan is still finance. No problem with that, garages knocking out fantastic deals now too. 0% being some of them!
Get a BMW.
[Edited on 13-06-2012 by Jambo]
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Loan is different to finance. With a loan, you can sell the car at any point, with finance you can't and it fucks you up. Worst mistake I ever made, wish I'd got a loan and bought something cheaper tbh
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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A loan is finance by definition.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Yes, but you know what they're getting at Jambo, you're not tied to the car.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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Can still sell a car on finance. I'd go 118/120d M Sport. I took my sisters 118d to Cornwall a few week back. Did 940 miles to £110. Can't grumble at that, most of motorway driving was at 80-85.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
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No shit, but it's a ball ache.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
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Audi or vw is a million times shitter than a BMW.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Robin
Loan is different to finance. With a loan, you can sell the car at any point, with finance you can't and it fucks you up. Worst mistake I ever made, wish I'd got a loan and bought something cheaper tbh
You can sell the car at any point same as you can with a loan 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Yes, but most of the time you're left itb negative equity, so while technically you can sell the car, it's a massive pain in the arse, and you end up selling a car for 7k when you owe 10k on it, which is a stupid idea
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John
Member
Registered: 30th Jun 03
User status: Offline
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Exactly the same as a loan though, you'd still be in negative equity.
That's a problem with you not having a big enough deposit for the car and/or taking the loan over too long a period.
How you finance is largely irrelevant in this case.
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adiohead
Member
Registered: 28th Sep 01
User status: Offline
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Surely HP is worse as the car will come up with outstanding finance on an HPI check.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by Jambo
A loan is still finance. No problem with that, garages knocking out fantastic deals now too. 0% being some of them!
Get a BMW.
[Edited on 13-06-2012 by Jambo]
Wow you've really lapped up that sales spiel!
When you buy a car on finance you have less room to haggle and the screen price will normally be high to start with and they love to catch you out with balloon payments.
Best to have the cash in your pocket (even if you have to borrow from the bank) and then find a bargain.. Also by paying cash you have no ties: you can sell the car how and when you like plus you can do what you like to it.
Your average car is not an investment so aim to use as much capitol as possible, the more you borrow the worse off you will be in the long run.
[Edited on 13-06-2012 by DaveyLC]
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John
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Registered: 30th Jun 03
User status: Offline
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No worse if you say to the person that there's outstanding finance on the car.
Sometimes loans will be a better deal, sometimes finance will.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by John
No worse if you say to the person that there's outstanding finance on the car.
Sometimes loans will be a better deal, sometimes finance will.
Would you buy a car with out-standing finance? I know I wouldnt.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by DaveyLC
quote:
Originally posted by Jambo
A loan is still finance. No problem with that, garages knocking out fantastic deals now too. 0% being some of them!
Get a BMW.
[Edited on 13-06-2012 by Jambo]
Wow you've really lapped up that sales spiel!
When you buy a car on finance you have less room to haggle and the screen price will normally be high to start with and they love to catch you out with balloon payments.
Best to have the cash in your pocket (even if you have to borrow from the bank) and then find a bargain.. Also by paying cash you have no ties: you can sell the car how and when you like plus you can do what you like to it.
Thanks for all that Davey, don't think anyone in here has ever bought a car before. You are also incorrect.
Sometimes that will work, others it won't.
What if you negotiate the best deal on the car then find out you can get 0% finance on top. That's better than having cash from the bank.
Going in and paying over the odds either in interest or because you think they are giving you a good deal or whatever is again completely unrelated to what way you finance it.
Basically, as with the rest of life, if you are a bit thick you'll probably not get the best deal.
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by DaveyLC
quote:
Originally posted by John
No worse if you say to the person that there's outstanding finance on the car.
Sometimes loans will be a better deal, sometimes finance will.
Would you buy a car with out-standing finance? I know I wouldnt.
I'd buy it if they could explain what the finance was and showed me it was paid off.
Any car I've had finance on I've paid it off a couple of days before the car went to new owner, never had an issue.
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DaveyLC
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Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Merely by walking into a large dealer with no money in your pocket you're already fucked.
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John
Member
Registered: 30th Jun 03
User status: Offline
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That's completely incorrect, I'm not even explaining why.
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Col004
Member
Registered: 25th Jun 03
User status: Offline
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Personaly mate, save and buy the car. If you cant save that amount and still want the car then get a loan or finance. All depends on the apr, period of payment and can you pay it off early with no charge. The dealers are pretty much the same as the banks these day to get custom in.
As for the car.. Audi. BMW don't come close IHMO and I've test drove them all before I bought mine. Don't get me wrong they build very good performance cars but a 10-12k daily Audi is far better build quality than a 10-12k daily BMW ... But... It's own personal preference. Go and test drive them and see what suits you mate.
[Edited on 13-06-2012 by Col004]
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Sorry John, I can't help it because you see I really dont know alot about cars.. 
I'll think about how stupid I am next time I'm driving one of my cars that is worth more than I paid for it..
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John
Member
Registered: 30th Jun 03
User status: Offline
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I've done the same, except bought it from a dealer
I've bought about 1 car a year from a big dealer, never learned anything, get conned every time I go in
None of them have been write off's either.
[Edited on 13-06-2012 by John]
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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quote:
Originally posted by DaveyLC
Wow you've really lapped up that sales spiel!
O Rly?
Have you seen my 1998 BMW then?!
Thanks for the info on how to finance a car. Im sure it will come in handy.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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How's about helping with the car ideas than arguing over stuff?
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