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Showing results for tags 'pcp'.
Found 4 results
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My pcp on the Golf R is coming to an end but I am still very undecided what to buy next. There's a few issues I'm finding, insurance for similar cars seem to be far more expensive and also the 40k list price Tax issue, id really like to avoid paying £500 road tax. These are the options I have considered, all options based on a 4 year PCP 10k miles and 4k deposit. RS3 - £520 pm high tax S4 - £450 pm high tax 140i shadow edition - £350 pm S3 - £380 pm 435d - £420pm high tax. C43 AMG £680 pm high tax I currently pay 380 pm on the Golf and roughly 170 pm on fuel, whilst I have no issues paying more I want to make a sensible-ish decision. If im paying 500 pm on a car, 300 on fuel, 500 on tax and 2 grand on insurance the monthly bill would be more than my mortgage. My insurance currently costs me £450 per year, I'm 26. Out of the above options the cheapest to insure is the S4 at only 650. The S3 is over double my Golf R and the RS3 is quadruple. I was tempted to go for a fully loaded S3 but it's not worth the insurance premium jump. I've not added the A45 due to not being able to order from new and the new varient will probably be 50k. I'm really not interested in sticking with vw, had a bad experience this time round and want to get away from them. Anyone have any suggestions ??
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Got my 7.5 plate R yesterday and very nice it is too. Took the finance. I'm going to pull out of the finance and buy the car outright. Question is once the dust settles, how many owners will the car have had, two? Eg i assume first owner (for about 2 days) would be vw finance and the new owner (me).
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Still waiting for my R to be delivered. I was playing on the VW website and they are now showing a £1250 deposit contribution on the R if you buy through PCP. Just saying...
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Hi all, looking for some opinions on financing a Golf R. Love my mk6 manual GTI but I'm after a DSG now because I'm rubbish at gear changing and I want AWD because Scotland. I'm pretty thick when it comes to financial matters, so I'd appreciate it if anyone could tell me if I'm totally wrong about PCP deals here: For simplicity's sake let's say the R will be 30k and I trade my car in for 10k. That leaves 20k outstanding. I pay 10k over 3 or 4 years or whatever. I have 10k remaining. My options then are: A: Hand the car back and walk or cycle away. So I've just pissed 20k up the wall including a car I actually owned. Why didn't I just sell my car privately and lease an R in that case? B: Part exchange - eh? What am I actually bringing to the table here? The two thirds of the R I've paid off? And is that actually one third of an R, after the remaining third I still owe is deducted? C: Pay the remainder and keep the car. Does that need to be paid in a lump sum? I think I find option B most confusing. What is my equity at the point of trade-in? Anyway, thanks for any thoughts!
