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Financing cars

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By (user no longer on site) OP   
over a year ago

guys

For those out there who may know a thing or yep to finance a new car a personal loan or PCP.

I've looked into both but PCP Serbs to be only did people who do relatively low mileage as its limited to 20k per year whereas I'm hitting 35k a year.

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By (user no longer on site)
over a year ago

I'm far from being an expert but the Credit Union does car loans and their interest rates are usually pretty good

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By (user no longer on site)
over a year ago

0% Apr on a PCP loan, with a small initial payment is a solid entry plan if you want a new car. however remember that in three years you will need some additional capital to reenter the same range or better again ..

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By (user no longer on site) OP   
over a year ago

The only thing there's big mileage penalties up to .08c a kilometre which could become quiet excessive .

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By (user no longer on site)
over a year ago


"The only thing there's big mileage penalties up to .08c a kilometre which could become quiet excessive . "

In the real world however, unless your over by 10K a year, they usually fine you 1000, altho expect the same for scuffed alloys and paint work....

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By *oci1Couple
over a year ago

Trim

They certainly do and you own the car from the day u take the loan

Also you can pay it off if you wish can't do that with a bank without penalties

Credit union definitely worth looking into

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By (user no longer on site) OP   
over a year ago

That's what I'd be worried about that when the time comes they will use every avenue open to screw me on the trade in value

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By *it_tribesmanMan
over a year ago

Galway

I'd stay away away from pcp. In my opinion it's a scam.....

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By *o hassleMan
over a year ago

moira

This is what I do for a living and if you want any advice pm me

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By (user no longer on site) OP   
over a year ago

Tried to lad but you have all single guys blocked ????

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By *o hassleMan
over a year ago

moira


"Tried to lad but you have all single guys blocked ????"

I will pm you and you will be able to reply

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By *leasure Inc.Man
over a year ago

Cork

Simply don't buy new if you don't do big miles. If you are a follower of reg plates you get screwed and not in a nice way. Buy a nice car where the big depreciation is already done,it's the depreciation that's the big cost in motoring

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By *urfdudeMan
over a year ago

WEXFORD

If you are entering a car finance agreement buy on hire purchase, you are eating into the loan straight away, you will own the car at the end of the term its a lot flexible with less red tape, pcp doesnt suit everybody .

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By (user no longer on site)
over a year ago

Went to trade my 152 in has lost 6000 a year

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