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Buying a new car on HP
Buying a new car on HP
by Brewingdog » Mon Aug 14, 2023 3:16 pm
I've been told that prior to the pandemic it was cheaper to buy a new car on finance than to pay with cash. That people would take out finance on the car at a cheaper rate, pay monthly for a year and then pay the remainder off without incurring any extra cost. Is this still the case.
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Re: Buying a new car on HP
by jpeg » Mon Aug 14, 2023 4:59 pm
No and never has been there is a hefty charge for paying off finance
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Re: Buying a new car on HP
by Paul Uden » Mon Aug 14, 2023 5:02 pm
You need to ask at the dealer. We got a great deal at Dacia three years ago (mid pandemic) and paid off early after two years without penalty, but agreed in writing in advance. Obviously there is interest to pay, but we got free insurance, free servicing and extended warranty etc which made it well worth it. No idea if such deals are still available now though.
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Re: Buying a new car on HP
by frankymc » Tue Aug 15, 2023 10:05 am
We were told you couldn'tget finance if you weren't resident.
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Re: Buying a new car on HP
by Brewingdog » Tue Aug 15, 2023 10:08 am
We are residents. But I was just trying to find out if it's cheaper to pay up front or on HP.
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Re: Buying a new car on HP
by spanishmickey » Tue Aug 15, 2023 10:37 am
On a second hand car, say 2 to 4 years old, with some of the big dealers, the price quoted will be up to a couple of grand less if you buy with finance, but the cost of the finance will probably mean you will actually pay more.
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Re: Buying a new car on HP
by Chrisdee » Tue Aug 15, 2023 2:36 pm
Do you have any idea roughly what a Nissan Quashai would cost per month on lease?
jpeg wrote:better of with a good lease
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Re: Buying a new car on HP
by Paul Uden » Tue Aug 15, 2023 3:06 pm
Chrisdee wrote:Do you have any idea roughly what a Nissan Quashai would cost per month on lease?jpeg wrote:better of with a good lease
One example from leaseplango.es. Shorter time periods and more kms are available.
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Re: Buying a new car on HP
by Chrisdee » Tue Aug 15, 2023 3:09 pm
Blimey that's a lot and it's never yours
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