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    Newbie: Buying a car

    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.

    26 Comments

    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

    get a bmw for 4k

    black gerbil1;7650860

    get a bmw for 4k



    Depends on model, spec and age...


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

    RickT;7650880

    Depends on model, spec and age...OP - Also... one factor is insurance to … 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.

    Original Poster

    RickT;7650846

    Hi,First of all, A golf or a Polo would be a good choice,Which engine you … 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?

    black gerbil1;7650888

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



    But you wont get one for 4k will you...

    rawkinrich;7650898

    Thanks for your reply!I'll be doing a lot of motorway driving (maybe 80 … 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

    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

    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

    OfnPanad;7651063

    1.2 or 1.4 diesel will be terrible on a motorway!If you want a cheap … 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

    Original Poster

    RickT;7650983

    Have you thought about a MK4 Golf, with a 1.9TDI PD engine, maybe one of … 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

    RickT;7651024

    Maybe something like … Maybe something like this..http://www.autotrader.co.uk/classified/advert/201001349685805/sort/priceasc/usedcars/make/volkswagen/model/golf/price-to/5000/price-from/3000/maximum-mileage/up_to_60000_miles/fuel-type/diesel/radius/1501/page/1/postcode/bs56su?previous=%2Fsearch%2Fresults%2Fusedcars%2Fpostcode%2Fbs56su%2Fradius%2F1501%2Fmake%2Fvolkswagen%2Fmodel%2Fgolf%2Fprice-to%2F5000%2Fprice-from%2F3000%2Fmaximum-mileage%2Fup_to_60000_miles%2Ffuel-type%2Fdiesel%2Fpage%2F1%2Fsort%2Fpriceasc&logcode=p



    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 - liverpoolseat.com/use…=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.

    OfnPanad;7651063

    1.2 or 1.4 diesel will be terrible on a motorway!If you want a cheap … 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

    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

    rawkinrich;7651128

    Sorry that went straight over my head I bumped into this on the web - … 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 C … £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

    Original Poster

    dimebars;7651143

    I just read you have a scrappage banger - is this on top or your 4k or … 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;7651143

    If its on top of your 4k then you should be able to pick up something … 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

    rawkinrich;7651229

    It's on top.This sounds like what I'm looking for...



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

    Original Poster

    dimebars;7651245

    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?

    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.

    Original Poster

    exStudent;7651330

    I'm on the same boat around £3000 to spend though, been looking at … 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:

    Original Poster

    RickT;7651214

    Looking at the link -- the car which the offer is for will not look like … 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;7651214

    its got a 1.2E spec, the last time i checked the 1.2 was 64bhp, 3 … 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.

    rawkinrich;7651489

    Where could I find photos?I don't mind as long as it can handle the … 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

    autotrader.co.uk/cla…e=p

    Rick

    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.

    Original Poster

    RickT;7651547

    The 1.2 (70bhp) Seat could be hard work to drive long distances on a … 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 Autotraderhttp://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=pRick



    I bet the insurance is mad.

    rawkinrich;7651959

    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

    Original Poster

    Thanks for your help mate - I'll take a look.

    Thanks again
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