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Newbie: Buying a car

rawkinrich Avatar
6y, 11m agoPosted 6 years, 11 months ago
All,

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.

Any ideas?

Many thanks.
rawkinrich Avatar
6y, 11m agoPosted 6 years, 11 months ago
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#1
Hi,

First of all, A golf or a Polo would be a good choice,

Which engine you thinking of getting ?? -- If you want to know anything about the Golf or Polo's.. im your man with that!

One option could be, if you need addtional cash, maybe look at a car for around £6k and take a £2k loan over 2 years?

What age of car you looking for? mileage? how many miles do you do a week/month?

Cheers
#2
get a bmw for 4k
#3
black gerbil1
get a bmw for 4k


Depends on model, spec and age...


OP - Also... one factor is insurance to take into account.
#4
RickT
Depends on model, spec and age...


OP - Also... one factor is insurance to take into account.


great point, im just saying BMW because I have a 6 series, i love it.
#5
RickT
Hi,

First of all, A golf or a Polo would be a good choice,

Which engine you thinking of getting ?? -- If you want to know anything about the Golf or Polo's.. im your man with that!

One option could be, if you need addtional cash, maybe look at a car for around £6k and take a £2k loan over 2 years?

What age of car you looking for? mileage? how many miles do you do a week/month?

Cheers


Thanks for your reply!

I'll be doing a lot of motorway driving (maybe 80 miles 5 days per week) so I'd like to save on fuel. I'm hoping to get a diesel, 1.2 or 1.4 to save on tax and insurance.

The loan idea is good, I should be able to pay it off fairly quickly. One issue, I've just paid off all my debts, I have no loans or credit cards and the idea of getting another kind of puts me off. However it seems to be the only option?
#6
black gerbil1
great point, im just saying BMW because I have a 6 series, i love it.


But you wont get one for 4k will you...
#7
rawkinrich
Thanks for your reply!

I'll be doing a lot of motorway driving (maybe 80 miles 5 days per week) so I'd like to save on fuel. I'm hoping to get a diesel, 1.2 or 1.4 to save on tax and insurance.

The loan idea is good, I should be able to pay it off fairly quickly. One issue, I've just paid off all my debts, I have no loans or credit cards and the idea of getting another kind of puts me off. However it seems to be the only option?


Have you thought about a MK4 Golf, with a 1.9TDI PD engine, maybe one of the 130bhp's or a 115bhp?

If your doing that sort of mileage, A Golf maybe more suited with it...

Rick
#9
1.2 or 1.4 diesel will be terrible on a motorway!

If you want a cheap diesel car for not much money that will be ultra reliable and like the Golf/Polo you are used to, get yourself an old-shape Skoda Fabia.

It's made by VW, has most of the same components as a Polo (around 90%!) The 1.9SDI is slow but to toooo bad on the motorway - I had one for 2 years. Incredibly cheap on the insurance tho and used to forget my way to the petrol station it was that long between fill-ups! I'd recommend you go for the TDI though really unless it really has to be as cheap as possible. Should be able to pick up a 56 or even 07 plate one easy for that sort of money.
banned#10
The finance agreement wont allow for lump sums to be paid periodically.

Basically your agreement is fixed for the term. You would be better banking any lump sums you may accrue and paying the agreement off early. If you settle early you will get a rebate on the interest charged.
banned#11
OfnPanad
1.2 or 1.4 diesel will be terrible on a motorway!

If you want a cheap diesel car for not much money that will be ultra reliable and like the Golf/Polo you are used to, get yourself an old-shape Skoda Fabia.

It's made by VW, has most of the same components as a Polo (around 90%!) The 1.9SDI is slow but to toooo bad on the motorway - I had one for 2 years. Incredibly cheap on the insurance tho and used to forget my way to the petrol station it was that long between fill-ups! I'd recommend you go for the TDI though really unless it really has to be as cheap as possible. Should be able to pick up a 56 or even 07 plate one easy for that sort of money.


1.2 maybe but a 1.4 turbo diesel is fine for motorway driving
#12
RickT
Have you thought about a MK4 Golf, with a 1.9TDI PD engine, maybe one of the 130bhp's or a 115bhp?


Sorry that went straight over my head :)



Looks good, however what are the options if I went for something newer? Maybe I'm expecting too much for the £.

I bumped into this on the web - http://www.liverpoolseat.com/usedcardata/dbSEATDeal.php?cid=23. Looks the biz and £3.3k over my 'deposit' (or cash I have so far). Granted it's no Golf - however I'd like something newer that I'm going to have for a years to come.
#13
OfnPanad
1.2 or 1.4 diesel will be terrible on a motorway!

If you want a cheap diesel car for not much money that will be ultra reliable and like the Golf/Polo you are used to, get yourself an old-shape Skoda Fabia.

It's made by VW, has most of the same components as a Polo (around 90%!) The 1.9SDI is slow but to toooo bad on the motorway - I had one for 2 years. Incredibly cheap on the insurance tho and used to forget my way to the petrol station it was that long between fill-ups! I'd recommend you go for the TDI though really unless it really has to be as cheap as possible. Should be able to pick up a 56 or even 07 plate one easy for that sort of money.


Yeas, I would keep away from the SDI (non Turbo unit).

If it was me with that budget, i would be looking at a Mk4 Golf or High mileage Mk5 (MK5 with 1.9TDI 105 SE)

Rick
banned#14
I just read you have a scrappage banger - is this on top or your 4k or included?

If its on top of your 4k then you should be able to pick up something decent for not alot more. You may be able to haggle for a 0% interest deal based on a small balance to finance over a short term.

You need to buy new to qualify for the scrappage scheme
1 Like #15
rawkinrich
Sorry that went straight over my head :)



I bumped into this on the web - http://www.liverpoolseat.com/usedcardata/dbSEATDeal.php?cid=23. Looks the biz and £3.3k over my. Granted it's no Golf - however I'd like something newer that I'm going to have for a years to come.


Looking at the link -- the car which the offer is for will not look like the one on the link

£7290 after £2000 Government Scrappage Allowance.14" steel wheels with Coloso covers, MP3 compatible CD player, Speed-sensitive electro-hydraulic power steering, Electric front windows, 12v


its got a 1.2E spec, the last time i checked the 1.2 was 64bhp, 3 cylinder unit (I will have to check that.)

You would be best picking up something a bit older, but thats your call..

Rick
#16
dimebars
I just read you have a scrappage banger - is this on top or your 4k or included?

If its on top of your 4k then you should be able to pick up something decent for not alot more. You may be able to haggle for a 0% interest deal based on a small balance to finance over a short term.

You need to buy new to qualify for the scrappage scheme


It's on top.

dimebars
If its on top of your 4k then you should be able to pick up something decent for not alot more. You may be able to haggle for a 0% interest deal based on a small balance to finance over a short term.


This sounds like what I'm looking for...
banned#17
rawkinrich
It's on top.



This sounds like what I'm looking for...


You will need to haggle hard, but it does exist.
#18
dimebars
You will need to haggle hard, but it does exist.


The car I'd have to buy would be worth around £5k/£6k - the monthly payments will be high on short term finance?
#19
I'm on the same boat around £3000 to spend though, been looking at various models. Looking to find myself a Civic, Golf, Fabia, Focus, Jazz, and a few others.
#20
exStudent
I'm on the same boat around £3000 to spend though, been looking at various models. Looking to find myself a Civic, Golf, Fabia, Focus, Jazz, and a few others.


It's frustrating as I'd love a Golf, if I could take advantage of the scrappage scheme and use the £4k as a deposit, I could get something fairly good. But then I don't want to be tied into a finance deal for years and pay loads more.

Or I could settle for something worth £4k... Or I could go for it and get something great... Or I could stick at £4k... I could go mad :? :whistling:
#21
RickT
Looking at the link -- the car which the offer is for will not look like the one on the link


Where could I find photos?

RickT
its got a 1.2E spec, the last time i checked the 1.2 was 64bhp, 3 cylinder unit (I will have to check that.)


I don't mind as long as it can handle the motorway, and is cheap on tax etc.
#22
rawkinrich
Where could I find photos?



I don't mind as long as it can handle the motorway, and is cheap on tax etc.


The 1.2 (70bhp) Seat could be hard work to drive long distances on a daily basis..

I will get the a photo for you.

See this link for photos on Autotrader

http://www.autotrader.co.uk/classified/advert/200951348481394/sort/priceasc/usedcars/make/seat/model/ibiza/maximum-age/up_to_1_year_old/radius/1501/postcode/bs56su/page/1?previous=%2Fsearch%2Fresults%2Fusedcars%2Fpostcode%2Fbs56su%2Fradius%2F1501%2Fmake%2Fseat%2Fmodel%2Fibiza%2Fmaximum-age%2Fup_to_1_year_old%2Fsort%2Fpriceasc%2Fpage%2F1&logcode=p

Rick
#23
If you fancy one..,. go take a test drive.. make sure its the 1.2 (70) though..

It will feel slow, but i get it depends what you want and want to spend.

I would look at a used car.
#25
rawkinrich
I bet the insurance is mad.


Take a look at a 1.9TDI 115 SE then...

I guess it depends how much NCD and age you are
#26
Thanks for your help mate - I'll take a look.

Thanks again

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