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Loan or Finance?

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Jules86:
Hello guys. Ive decided to get myself an S3 and see what all this ko4 fuss is about  :signLOL:

Im either going to get a loan or go finance as i can buy one outright but it will be an old high mileage. If i finance or loan it i can go higher spec, lower mileage and newer, also i can keep some of my money to use when i want instead of tying it up in a car.

Im looking to keep the car for 3-5 years. Whats best to do 

PCP, balloon payment, loan etc its all quite confusing!

Ifti:
If you havent got the cash to hand, dont buy the car.
Personally i wouldnt want to get into debt over a car. My mortage is the only debt I have, and the only one I ever want to have!

Jules86:
I have never signed up to this. It could take me years to collect the cash and i could die next week! My love is cars, i dont smoke, rarely drink and have few hobbies other than detailing (which requires a car) so would happily be in debt over something that made me happy  :happy2:

Alexander:
I know what you mean Jules, I'm exactly the same, my car is the thing that I spend most of my time using and most of my other hobbies are free or very cheap so I might as well spend money on a car.

Jules86:

--- Quote from: Alexander on May 20, 2010, 10:19:46 am ---I know what you mean Jules, I'm exactly the same, my car is the thing that I spend most of my time using and most of my other hobbies are free or very cheap so I might as well spend money on a car.

--- End quote ---

Exactly. i dont have kids and am training to be signed off for a role which will see me wage improve year on year, also the missus ahs given the go ahead and will pay the insurance  :laugh:

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