You don’t have to turn up with a suitcase of notes. Having the money ready to pay can be a strong negotiating point.īeing a cash buyer ready to take the car straight away gives you a big bargaining chip - and if you get a loan sorted yourself before looking for car you are effectively a cash buyer. This may sound obvious, but some finance options mean you never own the car at the end of the agreement. (We explain what these are in our quick guide below).ĭealers may try to push you onto their offers, but you don’t just have to accept offer from them.Īrranging your own finance can be cheaper, and ultimately means you own the car. Used car dealers can offer you a range of finance, including personal contract plans, hire purchase and loan schemes. This means that cash or arranging your own loan finance can be the key to getting the best deal when buying a used car. If you are buying a used car, you are unlikely to get the very generous terms that are sponsored by manufacturers. The really eye-catching offers, such as 0 per cent finance deals, tend to be on new cars. Tempting car finance deals could leave you paying more than you wanted to, or stuck with lengthy repayments. You need to know how much you will pay in total, what the equivalent APR interest rate will be, what restrictions you are signing up to and what happens at the end. Often this involves talk of how you could get on the road in the vehicle of your dreams for only a certain amount per month. Sales patter for the car can sound tempting, but so too can some of the finance deals on offer. The price is right: But it's not just what you pay that matters - how you pay does tooĬar dealers will go to great lengths to get you behind the wheel of one of their vehicles.
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