Cars, cars, cars...
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Don't bother with the warranty. There will be a special "no payout" clause in there somewhere. instead, budget for repairs.
Those things are a hoot to drive, btw.
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I'd prefer one of the originals, though I suspect they are like gold dust now.
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To look at perhaps, but the originals are noisy slow unformfortabke death traps.
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If they are unformfortabke, maybe I'll stick with my Almera.
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That doesn't speak volumes for Raver's credit rating....
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0 -
It's the dealerships rate. Similar cost overall to Klarna.
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Guess I'm ignorant of those rates as I've never taken out finance to buy a car.
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0 -
Amazing. Kudos to you.
OP should be able to get about 7% apr at the moment. Ignore the blow hards.
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I suppose some people might find it that.
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0 -
It's because the amount is right at the switch point. I can get under 10 for 5000+ but under 4999 is 20+ (that's without adding any personal details)
My credit score is a solid "good" according to the apps. I wouldn't have expected much as I don't have any other finance/debt/credit cards etc. to show that I'm good and reliable at paying it off...
We're in danger of confusing passion with incompetence
- @ddraver0 -
Top tips for changing that which I learned when returning from abroad. Buy something you can afford anyway but on H.P. at zero % (assuming this is still available). Use credit cards for everything but pay off the full amount every month.
The above may be fact, or fiction, I may be serious, I may be jesting.
I am not sure. You have no chance.Veronese68 wrote:PB is the most sensible person on here.1 -
My daughter has a F 500. Get the better trim model (tints/alloys/painted mirrors etc) as there is plenty of choice out there. Hers has been trouble free pretty much, just a clutch but that could be her! As above - goid fun to drive.
or, get an original, fit a VW engine and floor it!
2020/2021/2022 Metric Century Challenge Winner1 -
Think that's a good idea. Ill see if slicky Ricky is up for that tomorrow...
Maybe I should look at a credit card too later.
Unfortunately this afternoon has been rather a sad one so this has all seemed rather trivial.
(Think the reality is that 4k doesn't count as debt these days...)
We're in danger of confusing passion with incompetence
- @ddraver0 -
Last sentence, sad but true.
I remember being stressed about £250. It was a long time ago but still...
The above may be fact, or fiction, I may be serious, I may be jesting.
I am not sure. You have no chance.Veronese68 wrote:PB is the most sensible person on here.0 -
I guess when leaving university with debts of c£50k is normal, then the sort of aversion to debt that my parents had (never any HP or credit cards, therefore never had a credit rating in their lives) is uncommon (and probably all but impossible) now.
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I would be wary of buying a Fiat 500 https://www.whocanfixmycar.com/advice/fiat-500-common-problems, Check also Parkers or Honest John for car reviews based on year and model.
Cars that have sat may have local knowledge attached to it and besides (as mentioned before), gaskets suffer from the coolant which can chomp through gaskets and oil degrades which clogs up areas in the engine which requires more than an oil change, possibly 500 miles and then another change.
As for finance; get a loan from a bank - Nat west offering 7.9% apr which may mean opening an account with them but that's easy with uswitch.
Personally, for iro £4k, I would be looking something else - check those sites I listed.
seanoconn - gruagach craic!0 -
Borrowing money to actually buy a car seems rare these days too unless buying privately as everyone seems to get dragged into PCP and the like.
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True, I don't understand that honestly but I suspect that might be because I'm not bothered about what I drive too much...
A less cynical way of looking at it is that 4K at 10% representative API makes the bank 200 quid a year. Is it worth the hassle/risk at that point now they can't hide fees, upsell PPI etc etc. Probably not...
We're in danger of confusing passion with incompetence
- @ddraver0 -
I was giving someone from running club a lift recently. He had just changed his car as he couldn’t afford the balloon payment on the Mini he’d had. He’d got a fairly new VW Touran but was moaning he’d struggled to get finance and couldn’t work out why as he’d “only” missed one payment on the previous car.
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Yeah there's a tonne of those type and age of cars flooding the 2nd hand market at the moment.
If you're up for an EV, some of the latest Porsches are at a heavy discount.
Brand new they're £85kish.
Can pick one up that's 3 year's old,41,000 miles for £43k. lol.
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Not sure many will manage the first step of my 4 step car buying strategy but it is easy once up and running.
Save up to buy a car. Do not buy a new car, get 2-3 year old with manufacturer warranty. Immediately start saving for the next one. Run the car until it is a financial write-off or no longer meets your needs.
The above may be fact, or fiction, I may be serious, I may be jesting.
I am not sure. You have no chance.Veronese68 wrote:PB is the most sensible person on here.0 -
That's about par for a prestige brand tbh. Few years ago, I got my car, which had a ticket price of about £50k for £28k after 15 months.
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Seems to be more so with EVs as it seems not enough people want them second hand. Battery replacement costs seem to be an issue.
For comparison, we just flogged my OHs VW Polo (petrol powered variety) for just £1,700 less than what we paid for it 5 years ago (purchase and sale were from and to car dealers).
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0 -
Just went to get some lunch and there's a rather expensive looking Aston Martin Valkyrie broken down on Apex corner. I should imagine the bloke sat inside was on the phone to a breakdown company and asking them to be quick as there were a lot of people taking pictures. Just looked it up and seems they are £3m including tax!
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Thought those Valkyries were track only, but clearly Aston have made them road legal. Let's hope he doesn't have to drive over any speed bumps once he's got it restarted.
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0 -
That's where the Citroen ID19 is one up on the Valkyrie.
seanoconn - gruagach craic!0 -
Also means that the Valkyrie would probably never have got on the Top Gear leader board as Clarkson had a rule that to qualify, the car has to be able to get over speed bumps. (Cracking track btw - me and a few of the Evo brigade had a go back in the day to see how close we could get to The Stig's lap times 😎)
"I spent most of my money on birds, booze and fast cars: the rest of it I just squandered." [George Best]0
