lol exactly what I said it's people like this that say things like "How can they afford another new Audi?", when you change your car!£200 paying bingo!! How many cards does she play?
lol exactly what I said it's people like this that say things like "How can they afford another new Audi?", when you change your car!£200 paying bingo!! How many cards does she play?
The problem with buying second-hand is you have to accept the car and options that someone else has chosen. If I'm going to spend even the amount of money for a second-hand A3 I want what I want. Just saving money does not mean that much to me if it means I cannot have exactly what I want.Dr Eskimo, completely get that, but the Mrs get dosh from work and will inevitably change it in year two.
For me secondhand all the way!
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The problem with buying second-hand is you have to accept the car and options that someone else has chosen. If I'm going to spend even the amount of money for a second-hand A3 I want what I want. Just saving money does not mean that much to me if it means I cannot have exactly what I want.
The problem with buying second-hand is you have to accept the car and options that someone else has chosen. If I'm going to spend even the amount of money for a second-hand A3 I want what I want. Just saving money does not mean that much to me if it means I cannot have exactly what I want.
As far as Cash or PCP is concerned the only advantage I can see for going down the PCP route is the Guaranteed Minimum Final Value at the end if the term. With the current way the world seems to be looking at diesel cars will my 184 diesel still be worth it's value in 3-4 years time when I next come to change my car. With a PCP I know it will at least be worth the GMFV. It's a bit like an insurance for the value when I come to change.
As far as Cash or PCP is concerned the only advantage I can see for going down the PCP route is the Guaranteed Minimum Final Value at the end if the term. With the current way the world seems to be looking at diesel cars will my 184 diesel still be worth it's value in 3-4 years time when I next come to change my car. With a PCP I know it will at least be worth the GMFV. It's a bit like an insurance for the value when I come to change.
I'm sorry but at my time of life I would rather have an A3.
Just to throw something else into the mix.....what if you was planning on keeping the car for 6+ years....what would be the best option then?? Cash or PCP?
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Just to throw something else into the mix.....what if you was planning on keeping the car for 6+ years....what would be the best option then?? Cash or PCP?
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So it would be more beneficial to pay cash (personal loan etc) if I was planning on keeping the car for over 6 years?
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Yes, PCP is a very expensive way to buy a car...
Got to agree with this as it gives the buyer 6 months peace of mind, plus you are 'normally' 6 month after/before the last/next service.your better selling a car whilst its still under warranty ergo the magic 30 month mark
100%, PCP is for those that wish to change their cars every few years.So it would be more beneficial to pay cash (personal loan etc) if I was planning on keeping the car for over 6 years?
You Can have my S3 which should be up for sale in about 7/8 months lolIndeed, my plan is to get a used S3 next. Don't plan to buy until another good 7/8months, but I've been watching the used car market and still haven't had a 13/14 plate, <20k miles S3 3dr Black Ed. in Daytona grey with folding mirrors and Tech Pack come up yet.....
If you have a habit of changing cars every 2/3yrs, it only takes a couple of out of warranty repairs, along with all the service items associated with the high mileage, to be similar to a new car with a decent discount.
Have no idea what to do with my next car now...!
You Can have my S3 which should be up for sale in about 7/8 months lol
Yes 100%.But if I'm wanting to keep the car for 6 years or more to enjoy the car and the options then cash is better?
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Unless Audi have updated the final payment PCP all the way for the protection.
I had an SE 3 years old booked in A1 condition, worth less at 3yrs than it should have been at 4 years as a trade in.
We also have a VW UP, again 3 years old, UP should be worth £4400 at 4 years, at 3 years 24k miles A1 condition £3700.
The A3 was voluntarily terminated and the UP is going through the process.
Dispite what vw/Audi might say trade ins are about £1k down, looking at the UP they have now reduced the GMV by £1k.
Only a PCP gives you the protection to walk away and in today's climate with the brand it's worth having.
Usually borrowing money to fund a depreciating asset is not advisable/sensible......however if your return on the cash in the period exceeds the interest you will be charged on PCP then consider the gamble.
Dont forget Audi employ finance types to make sure Audi make money from PCP so dont set out to beat them.......PCPs were originally designed to get people to buy better cars than they could really afford and fill dealers with a supply of lightly used cars.
As for me, my S3 was bought cash which has the added benefit of you justifying the type/cost of options you spec. In 2014 my new S3 with £2k of extras for less than £29k......bargain.
It will be up for sale definitely, it's a few months away but l will post on here when the time comesGive you £20...
I think if you spec the car with all the options then buy the car and keep it for 6+ years to enjoy them as other people has advised.
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No longer the case necessarily, the PCP will consider the option price PLUS the effect on the future value so if Audi change x for the option but consider it a crucial option come sell time the final payment might give you half of x back. That means that the cost to the punter of that scenario may work out better than using cash..........however you pay for the car just don't get carried away by the UKs obsession with new cars and expensive options.
If you have the cash and no other debts, pay cash. If you have other debts then consider paying them off first before buying new expensive cars, alternatively consider a 2yr old S3 with an extension of the warranty to 5years and that is the best deal as the original punter will have lost the most. My 2.5yr old still goes like the clappers and nowt wrong with it and funnily enough I can live without scrolling indicators and 10bhp more which some people on here seem obsessed by . I totally expect the car to continue to work just fine for another 2.5years making the total cost of ownership pretty good for a car with that performance.
As so many of these discussions end, all to do with individual circumstance and the buyers attitude (and access to) to money.