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Minty_Fresh

Member

Registered: 1st May 08
Location: westmidlands
User status: Offline

28th Sep 13 at 15:02

The time has come to look for a new car, my budget is around the £7k mark (finance) but have a part ex and £2-2.5k part payment.

Never had anything on finance before, but want it over 12months to get the payments out the way.

Very indecisive at the best of times so even harder now.

I like the look of:

leon tdi Btcc
Fiesta mk7 tdci zetec s
320d coupe e90 (but maintenance costs and high milers put me off)

Or get something totally different, mk5 golf tdi on air etc etc

[Edited on 28-09-2013 by Minty_Fresh]

BeetleGav

Member

Registered: 27th Jun 10
Location: lancashire, nelson
User status: Offline

28th Sep 13 at 15:10

Don't be put off by high mileage bmws, aslong as there's full service history it should be fine. Also maintainance isn't bad from independent specialists, mine needs a service every 15k or two years. Think I only paid £130 for an inspection 1 which is cheap

Ronson

Member

Registered: 6th Dec 10
User status: Offline

28th Sep 13 at 15:14

Don't get a BMW, you'll end up driving like a twat. Personally I'd go for the Leon.

Generation

Member

Registered: 7th Jul 09
Location: Essex
User status: Offline

28th Sep 13 at 15:14

Bmws are usually very reliable engines if looked after. Dads has just hit 170k and goes like new

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

28th Sep 13 at 15:19

Don't those 320d's have a timing chain issue??

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

28th Sep 13 at 16:03

Mk5 golf on air? Wtf?

daymoon

Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline

28th Sep 13 at 16:04

quote:
Originally posted by Corsa_Sport21
Don't those 320d's have a timing chain issue??

I think it was the 3.0D M57 engine in them that had issues with chains.

THe E90 has swirl flaps. They break up and go into the block.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

28th Sep 13 at 16:25

Pretty sure the 320d engine had a problem with the timing chain also.

Minty_Fresh

Member

Registered: 1st May 08
Location: westmidlands
User status: Offline

28th Sep 13 at 16:25

quote:
Originally posted by Ben G
Mk5 golf on air? Wtf?

As said, something totally different

Graeme

Premium Member

Registered: 26th Jul 04
Location: Northampton
User status: Offline

28th Sep 13 at 16:40

Look into a loan aswell. Finance option they offer may work out a lot more.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

28th Sep 13 at 16:59

quote:
Originally posted by Minty_Fresh

quote:
Originally posted by Ben G
Mk5 golf on air? Wtf?

As said, something totally different

How is it? You're going to buy a car and a mk5 golf is not something totally different in the slightest.

Monaro, vxr8, caterham etc. Thats different.

You can get air ride for the fiesta.

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

28th Sep 13 at 17:03

Definitely do some loan quotes for that amount, should be loads cheaper.

Lotus Elise 111R

Impreza WRX STi

Minty_Fresh

Member

Registered: 1st May 08
Location: westmidlands
User status: Offline

28th Sep 13 at 17:11

quote:
Originally posted by Ben G

quote:
Originally posted by Minty_Fresh

quote:
Originally posted by Ben G
Mk5 golf on air? Wtf?

As said, something totally different

How is it? You're going to buy a car and a mk5 golf is not something totally different in the slightest.

Monaro, vxr8, caterham etc. Thats different.

You can get air ride for the fiesta.

As in modified.

Will check out loans though for sure.

Rob R

Member

Registered: 31st May 03
Location: Kent
User status: Offline

28th Sep 13 at 17:15

Seat finance doing some good deals at the moment if you fancy brand new

whitter45

Member

Registered: 15th Nov 02
Location: Norton
User status: Offline

28th Sep 13 at 17:46

quote:
Originally posted by Corsa_Sport21
Pretty sure the 320d engine had a problem with the timing chain also.

Yes n47 engines pre 2009 are very at risk

Even new ones are failing but less common

Having said that I did nearly 80k in my 1 series and onto70k in my e90 with no issues

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

28th Sep 13 at 22:34

Sainsburys were doing a 4.9% apr on loans between £7.5k-£15k. Not bad, and you'll probably not get a finance rate any lower.

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

28th Sep 13 at 22:40

0% credit card for 12 months??
But will have to buy from dealer to pay by card

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

Member

Registered: 10th Sep 03
User status: Offline

29th Sep 13 at 08:55

As Tom said, see if you can get a credit card with a long 0% purchase period. You just need to be disciplined with it; you could also make the purchase on one card and then transfer it onto another. Barclaycard are doing 26 months interest free on balance transfers. There's a 3.9% charge for making the transfer (4% initially, then they refund you 0.1% for some reason) though. Car finance on a few £k is going to be expensive and as Ben G pointed out you're only going to get the decent rates above £7.5k on bank loans.

The other option is to take a bank loan out for £7.5k to get the decent interest rate and then make overpayments. You might run into problems doing that though as you'll need to overpay so much!

Minty_Fresh

Member

Registered: 1st May 08
Location: westmidlands
User status: Offline

7th Oct 13 at 09:02

Done some more research on this, saved some more and sold some bits. 5k is all that's needed now.

Tesco is 7% on 5k, works out at £5,187 which I'm happy about and £432 a month over 12.

Insurance group is 32!! But only another £180 over my group 5 astra dti daily.

On a mission now to find a 57plate around 40k mile 320d msport coupe in my budget

RCorsa

Member

Registered: 15th Sep 13
Location: West Midlands
User status: Offline

7th Oct 13 at 09:11

quote:
Originally posted by Minty_Fresh
The time has come to look for a new car, my budget is around the £7k mark (finance) but have a part ex and £2-2.5k part payment.

Never had anything on finance before, but want it over 12months to get the payments out the way.

Very indecisive at the best of times so even harder now.

I like the look of:

leon tdi Btcc
Fiesta mk7 tdci zetec s
320d coupe e90 (but maintenance costs and high milers put me off)

Or get something totally different, mk5 golf tdi on air etc etc

[Edited on 28-09-2013 by Minty_Fresh]

Leon FR TDI here (135,000 miles drives like new), having also driven a K1 (BTCC) I would recommend one for sure, especially over the other two you're looking at.

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

7th Oct 13 at 09:29

I bet my house that a Leon with 135k on the clock does not drive like new.

Ian W

Member

Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline

7th Oct 13 at 09:52

quote:
Originally posted by Jambo
I bet my house that a Leon with 135k on the clock does not drive like new.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

7th Oct 13 at 19:38

quote:
Originally posted by Minty_Fresh
Done some more research on this, saved some more and sold some bits. 5k is all that's needed now.

Tesco is 7% on 5k, works out at £5,187 which I'm happy about and £432 a month over 12.

Insurance group is 32!! But only another £180 over my group 5 astra dti daily.

On a mission now to find a 57plate around 40k mile 320d msport coupe in my budget

Are you sure your calculations are correct? 1% of 5k is 50 quid, so 7% will be 350 quid, not.187.

Still not too bad though.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

7th Oct 13 at 19:40

quote:
Originally posted by Jambo
I bet my house that a Leon with 135k on the clock does not drive like new.

Agreed. Not a chance in hell it'll drive like new unless every single component has been replaced.

Corsa_Sport21

Member

Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline

7th Oct 13 at 19:55

quote:
Originally posted by Ben G

quote:
Originally posted by Minty_Fresh
Done some more research on this, saved some more and sold some bits. 5k is all that's needed now.

Tesco is 7% on 5k, works out at £5,187 which I'm happy about and £432 a month over 12.

Insurance group is 32!! But only another £180 over my group 5 astra dti daily.

On a mission now to find a 57plate around 40k mile 320d msport coupe in my budget

Are you sure your calculations are correct? 1% of 5k is 50 quid, so 7% will be 350 quid, not.187.

Still not too bad though.

12 x 432 is 5184 also.

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