I'm in the market to buy a used/new car. I'd really like a Golf or fairly new Polo (diesel) but I have a dilemma that I can't get my head around.
I have roughly £4k now which I can spend. Obviously this won't get a quality Golf, or a fairly new Polo. I could get a fairly decent car for this price, however I'd like something that I'm going to look after and to have for years to come.
I could use the £4k as a deposit for a car worth around £8k, but I don't want to be stuck in a finance deal of 3 years and pay a lot of interest. In a perfect world, I could enter a finance agreement and have the option to pay of lump sums to help pay the car off early to avoid paying extra.
I have a car that qualifies for the scrappage scheme so this can help.