B9 RS4 vs The Rest...and the S

Ha ha lol I am such a ****.

TX.

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Just had word I’m on for next Friday just a tad excited


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Addict said:
Just had word I’m on for next Friday just a tad excited


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Blimey. The best pick up day that congrats.


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Out of interest have you seen some of the ‘deals’ in the autotrader? Was having a look last night. Some silly monthly PCP prices that I just can’t believe anyone would pay


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Addict said:
Out of interest have you seen some of the ‘deals’ in the autotrader? Was having a look last night. Some silly monthly PCP prices that I just can’t believe anyone would pay


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Yeah I was talking about it the other day. £1200pm on a PCP. RV of £20k are 4 years on a 10.2% Apr


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audi upgrades
Daggerit said:



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Well, something like that. Definitely over a grand with £20k RV and over 10%. Insanity. Guess it's meant for people like these YouTube bloggers.


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The issue is really the interest payments. BOE base rate 0.5% so interest payments at 10% plus on say £40k deferred payments = £16k !!! Save up until you can pay cash or most probably find a lower interest rate!


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RGBARGEE said:
The issue is really the interest payments. BOE base rate 0.5% so interest payments at 10% plus on say £40k deferred payments = £16k !!! Save up until you can pay cash or most probably find a lower interest rate!


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Oh I am. Haha. No choice and even if I could afford it I wouldn't.

The B8 got down to £56k standard with about £6k contribution and I believe 4% at end of its life. Might be off there. I think best way for me is to put big deposit down. So got a good opportunity now to save even more.




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Thundercliffe81 said:
Oh I am. Haha. No choice and even if I could afford it I wouldn't.

The B8 got down to £56k standard with about £6k contribution and I believe 4% at end of its life. Might be off there. I think best way for me is to put big deposit down. So got a good opportunity now to save even more.




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It is a difficult one, but if I was looking to climb up the car ladder I would not be looking at paying loads of interest to bankers on an RS4. As posted elsewhere some great rates on A/S4 and audi contributions. Paying interest at high rates ( £3-400 a month interest alone) is a mugs game in my opinion.


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RGBARGEE said:
It is a difficult one, but if I was looking to climb up the car ladder I would not be looking at paying loads of interest to bankers on an RS4. As posted elsewhere some great rates on A/S4 and audi contributions. Paying interest at high rates ( £3-400 a month interest alone) is a mugs game in my opinion.


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No I agree. 6%+ is crazy at the moment. It's double my S4 rate. I got £10k off my car.


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Thundercliffe81 said:
No I agree. 6%+ is crazy at the moment. It's double my S4 rate. I got £10k off my car.


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Yup, sounds like I got much the same deal as you did. Some of these rates are madness!


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Thundercliffe81 said:
No I agree. 6%+ is crazy at the moment. It's double my S4 rate. I got £10k off my car.


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£10k off, I assume that includes the Audi contribution? Sounds about right last year. Not sure with new Audi matrix structure you would get that now.


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Daggerit said:
Yup, sounds like I got much the same deal as you did. Some of these rates are madness!


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Well the old boss said it point blank. The new brand is about 'exclusivity'. People are going to pay it. Ya know? Same as anything, rates will come down OR contributions will come about. The depreciation figures seem stupid. Not sure how they're going to support all these deals. No incentive.


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RGBARGEE said:
£10k off, I assume that includes the Audi contribution? Sounds about right last year. Not sure with new Audi matrix structure you would get that now.


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Matrix?


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Thundercliffe81 said:
Well the old boss said it point blank. The new brand is about 'exclusivity'. People are going to pay it. Ya know? Same as anything, rates will come down OR contributions will come about. The depreciation figures seem stupid. Not sure how they're going to support all these deals. No incentive.


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Exclusivity? If you want that buy a VW, Audis are very common these days.


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RGBARGEE said:
I am told to devaluation of £, Brexit and economic financial uncertainty.
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The devaluation of the GBP was forecast last year to happen as it increased too far ahead of the Euro, so all 3 are related.
I am still stunned in that not only did the country vote to Brexit, but that the 'eyes' must have honestly believed it would not cost the country so dearly.
Well I do not purport to be an economist, or rocket scientist, but the French will have much pleasure in sticking it to England, and will not miss.
Also, Audis, at least S4's and RS4's, are made in European 'Merkelland'.

I heard a story that Napoleon, observing the Battle of Waterloo, determined that les Anglais drove their carriages etc on the left, and immediately made the French drive on the right. Et Voila!! left-hand-drive.
 
3.9% for this monster!!

I just found a great car on Auto Trader:

http://www.autotrader.co.uk/classified/advert/201802093571156

I take it back btw, the RS4s on Autotrader are about £1600pm! You'd have to be batshit crazy to pay that. This RS6 Performance is £968pm, which is still silly money to pay for a car, but god damn! Infinitely better deal than these RS4s. Are people actually this silly? Do you know anybody that throws £1600pm down the drain on a car?


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SMI77 said:
The devaluation of the GBP was forecast last year to happen as it increased too far ahead of the Euro, so all 3 are related.
I am still stunned in that not only did the country vote to Brexit, but that the 'eyes' must have honestly believed it would not cost the country so dearly.
Well I do not purport to be an economist, or rocket scientist, but the French will have much pleasure in sticking it to England, and will not miss.
Also, Audis, at least S4's and RS4's, are made in European 'Merkelland'.

I heard a story that Napoleon, observing the Battle of Waterloo, determined that les Anglais drove their carriages etc on the left, and immediately made the French drive on the right. Et Voila!! left-hand-drive.
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I travel widely in the EU and in 2015 the £ hit 1.40 euro. As soon as Brexit announced it slumped. On Referendum day in was at 1.32 today it has risen, note risen (according to the media) to 1.14. I live in France part of the year and my mate over there refers to me as Nelson hence he is Napoleon. Whatever side anyone is on we need to stop this nonsense now or none of us will be able to afford Audis and have to buy these JLR products the media are pushing. NO Thanks!
 
Thundercliffe81 said:
3.9% for this monster!!

I just found a great car on Auto Trader:

http://www.autotrader.co.uk/classified/advert/201802093571156

I take it back btw, the RS4s on Autotrader are about £1600pm! You'd have to be batshit crazy to pay that. This RS6 Performance is £968pm, which is still silly money to pay for a car, but god damn! Infinitely better deal than these RS4s. Are people actually this silly? Do you know anybody that throws £1600pm down the drain on a car?


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There are low rate deals around and I am pretty sure Audi Finance rates are high to generate more income in a dire car market at the moment.
 
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RGBARGEE said:
There are low rate deals around and I am pretty sure Audi Finance rates are high to generate more income in a dire car market at the moment.
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Show me these deals?


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RGBARGEE said:
Halifax Bank do a pcp. Nat West and John Lewis do low rate loans.
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TSB were one of the lowest available as of late last year, and if you're a main account customer with Nationwide they do a deal where they beat any like for like loan by 0.5% I think it was.


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RGBARGEE said:
Halifax Bank do a pcp. Nat West and John Lewis do low rate loans.
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Yeah it's not gonna be a loan. Unless I want a car for 10 years or so. Lloyds do a PCP but can't get a quote because it says "what we know about you means you can't afford this Finance". They're taking into account my flipping 'current' car payment Give me strength.


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Thundercliffe81 said:
Yeah it's not gonna be a loan. Unless I want a car for 10 years or so. Lloyds do a PCP but can't get a quote because it says "what we know about you means you can't afford this Finance". They're taking into account my flipping 'current' car payment Give me strength.


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Halifax will be the same. Always worth finding a human being to talk to.
 
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Halifax is only available for their customers. Santander have something detailed on their website, but no details on APR.
 
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rjwojcik said:
Halifax is only available for their customers. Santander have something detailed on their website, but no details on APR.
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Halifax told me last year that you need to deposit enough into a current account on a regular basis before they will consider you for a PCP loan, even if you are a customer.
 
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RGBARGEE said:
Halifax told me last year that you need to deposit enough into a current account on a regular basis before they will consider you for a PCP loan, even if you are a customer.
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Yeah they look the same as Lloyds. Seems to be a similar Apr and set up. Mileage though. They'd be proper strict. Car Finance 24/7 look alright.


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3.5% !! Better than Audi 6.2% a saving of circa £270 per thousand each year!
 
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RGBARGEE said:
3.5% !! Better than Audi 6.2% a saving of circa £270 per thousand each year!
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Gulp. Per thousand? Really? APR really is the main factor isn't it.


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Thundercliffe81 said:
Gulp. Per thousand? Really? APR really is the main factor isn't it.


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Think I got the decimal point in the wrong place! It's £27 per thousand I think! So on a 40,000 loan with a GFRV of 30k you would be paying 27x30 £810 over the odds per year plus capital repayment on 10k (plus decreasing interest) divided by 3 or 4 years. Best play with on line modelling tools or talk to an expert.
 
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