General > Random Chat
Loan or Finance?
Nasir:
--- Quote from: Jules86 on May 20, 2010, 11:42:47 am ---I think its only on new mate but yeah i saw this. Do they move them around for you, so you dont have to travel?
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No they do it on used (or maybe nearly new). They were only willing to deliver the car for my brother and said they don't have other dealerships nearer north for him to look at and test drive the car.
chip20:
--- Quote from: Jules86 on May 20, 2010, 10:22:36 am ---
--- 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.
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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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I am with you on this mate.Why wait when you can have it now
you would only blow it on other things! Go for it
Ifti:
--- Quote from: Jules86 on May 20, 2010, 10:16:56 am ---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:
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When you put it this way, it does make sense!!
I often think that sometimes, you could die next week and cant take money with you!! May as well live life as best you can and enjoy whatever you can, while you can!
Im not too hot on finance deals, but best of luck to you!!
How much are you looking to borrow though??
When I need to borrow money for somet I tend to get a 0% interest balance transfer card.
I transfer the balance onto that, and pay off whatever I can while its 0%.
When the 0% comes to an end, if the card isnt paid off, transfer it to anyother 0% balanace transfer card, and so on!
You need to keep an eye on minimum payments, and when the 0% offer comes to an end end, but Ive done it a few times in the past - interest free loan!
For example, every time the fixed rate on my mortgage comes to an end, I pump my savings into the mortgage before I fix it again with a better deal, and I also get a 0% card for £5k or so and stick that into the mortgage as well - that way I pay off an extra £5k of my mortgage, save on the mortgage interest, and just pay off the card interest free.
Jules86:
Ill either get around £10k or around £20k. Im going through some figures to see if it works out best for me to get more as i can spread it out over a few more years and pay back less also leaving me with some left over for an iMac, holidays etc
vRStu:
I don't think finance rates are that good at the moment.
I've used PCP, HP and Unsecured Loans in the past and each has its merits. One thing I've not used before is LP (Lease Purchase). From what I can see it's an alternative to PCP and is punted by independant finance providers. When I've questioned them on it they seem to try and brow beat you into but can't really give me any significant benefits. I have used VWFS several times without a problem and wouldn't hesitate to use them again.
I will using some sort of finance on my new car. i have a sizeable deposit to put down so shouldn't need a massive amount so I've been keeping quite an eye on current rates.
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