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end of pcp...

jpda4 Sep 9, 2020

  1. jpda4

    jpda4 Registered User

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    I wasn't expecting that, have been invited to visit dealers as they have some deals on and my pcp is due to finish in January, lead time can take 3 months on a new car, blah blah blah....

    I have already been looking so know cant get a like for like A4 2.0 190 manual. and the spec differs with plus/minus features.

    Apparently I'm not the not normal customer, who wants a manual gear box in the A4. He can do it manual in A3/A5 or a 35 A4, thought the A5 was also automatic.

    Was thinking of paying the final payment, keeping it 2 more years, until new model comes along rather than a mid life facelift
     
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  3. HMG1K

    HMG1K Registered User

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    I went from a 40 TFSI manual in a 2018 A5 Sportback S-Line 59 a 2020MY facelift 35 TDI auto A5 Sportback S-Line.

    The difference? I honestly can't tell the difference. Only to say the torque is more in the bottom end of the 40 and in the mid range in the 35. I love both.

    I've a 35 TFSI manual on order in an A4 Avant. I'm sure with that added to the family I will be spoilt for choice between the 4 and the 5!
     
    jpda4 and tickedon like this.
  4. tickedon

    tickedon Registered User

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    I can’t see the benefit to swapping my MY2017 A4 for something newer. The fact I’d go from £20pa in VED to closer to £500pa due to luxury car tax makes the decision even easier - I’ll keep my current car for a few more years yet, might then have a reasonable electric car I could swap into!
     
    jpda4 likes this.
  5. HMG1K

    HMG1K Registered User

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    That's why you should consider PCH. No matter what the VED cost, the funder pays it, not you.

    I've an A4 Avant S-Line 3on order for £258 a month on a 3+23 via VWFS. Stunning deal on a 2021MY car. Added to that, last month I tool delivery of a facelift 2020MY A5 Sportback S-Line for £292 on a 3+23, again via VWFS.

    These deals are long gone but if you keep an eye out they can be secured via a dealer or broker. No servicing, no VED, full warranty - what's not to love?!
     
    jpda4 likes this.
  6. tickedon

    tickedon Registered User

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    If I wasn't doing 20k+ miles a year, I'd jump on PCH - although the VED is still paid indirectly through the payments, even if you're not paying it out yourself. Maybe with covid my mileage will stay low and it'll be a realistic option!
     
  7. jpda4

    jpda4 Registered User

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    PCH, might have a look at this...

    After 3 A4's (B7 B8 & B9) think its time for a change, the A5 shares the interior, so wouldn't be a change in my opinion...

    Still have a few months to go, will get the settlement figure and then decide
     
  8. motty225

    motty225 Registered User

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    PCH is brilliant if you don't do much mileage, I got an S4 saloon with options for 2k down £280 a month for 24months, 8k a year in miles, bonus of PCH is that the road tax is included
     
  9. jpda4

    jpda4 Registered User

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    Track my mileage... opted for 12k a year when signed up...
    year 1 13259
    year 2 12328
    year 3 16336 (change of job commute went from 6 to 36 miles a day)
    year 4 to date 4622 (covid has saved around 5k miles)
     
    tickedon likes this.
  10. wideboybloke

    wideboybloke Registered User

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    I was all set to lease about 18 months ago. The salesman steered me towards PCP (probably for his own reasons) on the basis that if , for whatever reason, you are unable to keep the car you are obliged to pay the remaining lease instalments nevertheless. The deal didn’t proceed (because the dealer was unable to source a demonstrator with the particular engine I wanted) but it was as well I didn’t take up the lease option because 18 months later I’ve had to give up driving due to failing eyesight. I would have leased over a minimum of 24 months so it could have been a costly option.
     
  11. Flowrider99

    Flowrider99 Registered User

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    Do you think the finance company are subsidesing you out of kindness? Or maybe they have already taken these expenses into account in the payment amounts.
     
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  13. HMG1K

    HMG1K Registered User

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    I got a £42k car, the A5 for just shy of 18% of its list price and the A4 for 18% of its list price over two years. Yes, no one pays list. But you need the P11D as a benchmark.

    The sweet spot is 20-25% of list. Anything under is a no brainer on PCH
     

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