The Car Thread

[Pashley26]

Beats like that company that sells headphones that are over styled with huge price tags for the quality??

No, not 'like', they're the same company.

http://www.fiat.com/500lbeatsedition

You gonna be alright, Jardo? Need a cuddle?

Was hoping for a more fitting reply, but yeah I'll be fine.

[MartMini]

will you two just f**k and get it over and done with?

The sexual tension is killing us!

[dann2707]

I would seriously love to see them f**k each other in the ass.

[MartMini]

I would seriously love to see them f**k each other in the ass.

I think that's officially the gayest thing ever said on Trials Forum Dan, well done

[AdamR28]

Hmm, I dunno, this is pretty close: click

[Pashley26]

Hmm, I dunno, this is pretty close: click

[AdamR28]

A Mk3? Who would drive such a thing?

[MadManMike]

MK3's aren't even gay, you just have to be 60+ to drive one.

Anyway, sounds like you need to eat a Snickers, Jardo.

[monkeyseemonkeydo]

I would honestly buy one though, they're under £200 a month with no deposit for the same spec I've got.

Christ- £16k base price?! And that's for the petrol too, assume diesel is more...

Edit: Also I know you're a car salesman but £200 a month does not mean £200 a month when there's a £6k final payment at the end...

[Pashley26]

Try and find another new 4x4 for that money though.

And it is £200 a month, because at the end of the agreement we give you £7000 for the car you owe £6000 on and then you start again.

[monkeyseemonkeydo]

Fair enough.

[Danny]

And it is £200 a month, because at the end of the agreement we give you £7000 for the car you owe £6000 on and then you start again.

How longs the agreement and whats included? tax? servicing? etc

[Pashley26]

How longs the agreement and whats included? tax? servicing? etc

That would be on a 48 month deal, with 10,000 miles per annum.

Tax is free, servicing on Fiat's is every 2 years or 21,000 miles so there's no point doing a servicing plan because it's just not cost effective.

A diesel Panda Trekking is only £155 a month on the same deal with no deposit.

Panda's are so cheap to buy and run, they make a great run around/second car.

[Danny]

That would be on a 48 month deal, with 10,000 miles per annum.

So you pay:

(£200 * 48) + £6000 - £7000 = £8600

For 4 years of motoring. Thats expensive (if i'm not missing something which i probably am because i know nothing about car finance).

[JD™]

Yea, but Danny. You get to drive a f**king Fiat f**king Cross. Bargain.

[monkeyseemonkeydo]

So you pay:

(£200 * 48) + £6000 - £7000 = £8600

For 4 years of motoring. Thats expensive.

New cars have just never made sense to me financially. It's just flushing money down the toilet for the sake of owning a new car and keeping up with the Jones' isn't it?

[Danny]

*cough*

[Pashley26]

No it isn't.

And petrol heads and people who are into cars cannot comprehend it.

I didn't, for years.

But you have to put yourself into a customers shoes, and you have to put yourself into a consumers position where you WANT a new car.

Which isn't easy to do.

I'll explain it all later when I have a keyboard, I cba to write it up on my iPhone.

[AdamR28]

(£200 * 48) + £6000 - £7000 = £8600

And if your car was £14k to buy (like it is in this case?), and you'd be given £7k back from the dealer at the end of 4 years (so more like £8k privately), it's more expensive to get finance - or have I got something wrong? I agree that for Mrs Jones wanting to show Mrs Smith next door she's got a new car, that's a good deal though (only a few grand more over the course of a few years AND you don't have to save up). I will never understand people.

Jardo, I think you've put down all the details before

A diesel Panda Trekking is only £155 a month on the same deal with no deposit.

So is burning 8 £20 notes a month, I know what I'd rather do Look at the state of it!!

[Jolfa]

Are we forgetting its the most awesome car ever made here or what?!

[dann2707]

Looks like the multiplas less ugly sister. The sort of girl you wouldn't normally go for but if she's the only one at a party, you'd give it a go after a few drinks.

[JD™]

Are you condoning drink driving, or mechanophilia?

[Pashley26]

The main thing with financing a car is that it makes sense as an alternative to buying a car and keeping it for 10 years.

Lots of cash customers will come in, buy a £15,000 car and keep it for 6/7 years until it is worth £1500 and then they sell it on and buy another.

So that's £13,500 spent in 6/7 years.

Add an average car has a running cost of 21.14 pence per mile.

If you change cars every two or three years you always have a car in warranty and it never needs maintenance because it's all so new it doesn't have excessive wear.

After year 3 you then have £2100 a year as an average "running cost" of a £13-18,000 car. (Those statistics are from the AA Motoring Running Costs survey 2013/2014).

With that in mind you could have three new cars over 9 years at a cost of £21,600.

Or you could have one £15,000 car for 9 years and pay £27,600 (ish, according to the AA results at 10,000 miles per annum after the three year warranty expires).

Obviously there are variables there, and the figures are vague. But does that make a bit of sense from why you would buy one of these deals?

[JD™]

Do new cars not need fuel then?

Surely you need to add on those average costs of £12,100 onto the £21,600 to get a comparative figure. i.e. £33,700 vs £27,600. I get that it's actually not a massive difference, especially if you're into buying a new car, just that your argument should be balanced.

[MadManMike]

I'd rather buy older cars, or if newer was my bag, take out a low cost loan and buy a second hand car that's 4 years old or something. Higher spec, much less money...

I know it's different to a new car, but financially it makes more sense to me. Unless I was f**king loaded, in which case I'd just buy a new car every year and sell on the old one.