Soldato
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I don't think you'll have any problems getting a loan from any dealer, provided you can leave at least a 5% deposit, as the loan is secured against the car.
Buying a car from a dealer (well carcraft) advice
- Thread starter Ultra_Extreme
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[TW]Fox;10212951 said:
my car does 28mpg
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well im arranging some possible private financing atm, so might change tack lest i end up screwed over and mocked eternally on here lol
If i can secure 6k car credit (@ 7% apr respectable considering my history) what would you all advise i do? Main dealership? Used car place? What? Private sales are out due to the nature of the finance.
If i can secure 6k car credit (@ 7% apr respectable considering my history) what would you all advise i do? Main dealership? Used car place? What? Private sales are out due to the nature of the finance.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
my car does 28mpg
If you are getting 28mpg from a 1.6 Mondeo there is NO WAY you will get nearly 60mpg out of a diesel Mondeo over the same trips.
40mpg, tops.
You will not be halving your fuel bills.
, then I remind people how my car and insurance would have cost no more than an 03 Corsa SXI and insurance for example, they soon get the idea. 
If you really must go to the Carcraft, and believe me, it's like going to burdello looking for loving and faithfull bride, then at least do two things:
- don't take your documents and wallet
- don't go alone.
It's pretty much like Survivor - you must outgun, outsmart and outcheck their conmen.
Carcraft have very well excercised methods to bully into finance, overprices or generally rush and confuse you to wrong decision. I assisted couple of people with their purchases and Carcraft is very close to being beyond normal person defense abilities. Tactics involve keeping you waiting to the brink of psychological exhaustion - they will do everything not to let you read terms and conditions in peace, they will come up with sales off the wall, where mythical customers just phoned them to buy the car you are viewing and either you make up your mind in 2 minutes and/or take their credit they will loose some non existant commission. They will pretend to be finishing their shifts in a second, or that post office to tax your car closes at 2:14 in the middle of the day and try to convince you to sign what they prepared and so on so forth. At the end of the day, right before they close you might also realise than after hours of battling for the car no one else wanted you know very little about the car itself, its history and hold only one key to the locks, but somehow the bill on the table features GAP insurance, insurance of the GAP insurance and value insurance of the insurance for the GAP insurance of the original administrative fee downpayment, all in monthly payments with massive APR on it and you still don't get to drive away the next day unless you put down deposit right there and then and sign the papers.
They will often lie about car specs and trim, history it comes with and previous owners. On purpose. You might discover that "one lady owner" servicing her car every 5,000 miles for good fortune is actually Yes Finance hechmen respossesion with no service book and no service key, cd changer in the boot missing but bloody wrench and gagging rag still there.
But once you sign agreement you can't actually prove it and they are prepped for your complaints and "no return" tactics like no others too.
Carcraft finances are usually non transferable, non refundable, impossible to cancel or settle early, no re-finance dealer in this country will pick them up and if you ever agree to their finance you will be glued to the car until you pay them last penny. The small print will allow them to change APR on the fly based on "your credit circumstances" and they will use it, even as early as first payment, and anything up to 40% is in cards.
Do not take your papers. Do not take your wallet. Allow yourself cooling off period to think about what your were being sold. Then if you are inclined so, return next day to buy it.
Do not go alone. Take someone sceptical to keep you in touch with reality at all times.
Been there seen it live - I never did and never would let anyone I know finalize deal with Carcraft. It's a company that sell bottom bid auction floor melons, after valeting rather than mechanical checks under all false pretenses on earth.
- don't take your documents and wallet
- don't go alone.
It's pretty much like Survivor - you must outgun, outsmart and outcheck their conmen.
Carcraft have very well excercised methods to bully into finance, overprices or generally rush and confuse you to wrong decision. I assisted couple of people with their purchases and Carcraft is very close to being beyond normal person defense abilities. Tactics involve keeping you waiting to the brink of psychological exhaustion - they will do everything not to let you read terms and conditions in peace, they will come up with sales off the wall, where mythical customers just phoned them to buy the car you are viewing and either you make up your mind in 2 minutes and/or take their credit they will loose some non existant commission. They will pretend to be finishing their shifts in a second, or that post office to tax your car closes at 2:14 in the middle of the day and try to convince you to sign what they prepared and so on so forth. At the end of the day, right before they close you might also realise than after hours of battling for the car no one else wanted you know very little about the car itself, its history and hold only one key to the locks, but somehow the bill on the table features GAP insurance, insurance of the GAP insurance and value insurance of the insurance for the GAP insurance of the original administrative fee downpayment, all in monthly payments with massive APR on it and you still don't get to drive away the next day unless you put down deposit right there and then and sign the papers.
They will often lie about car specs and trim, history it comes with and previous owners. On purpose. You might discover that "one lady owner" servicing her car every 5,000 miles for good fortune is actually Yes Finance hechmen respossesion with no service book and no service key, cd changer in the boot missing but bloody wrench and gagging rag still there.
But once you sign agreement you can't actually prove it and they are prepped for your complaints and "no return" tactics like no others too.Carcraft finances are usually non transferable, non refundable, impossible to cancel or settle early, no re-finance dealer in this country will pick them up and if you ever agree to their finance you will be glued to the car until you pay them last penny. The small print will allow them to change APR on the fly based on "your credit circumstances" and they will use it, even as early as first payment, and anything up to 40% is in cards.
Do not take your papers. Do not take your wallet. Allow yourself cooling off period to think about what your were being sold. Then if you are inclined so, return next day to buy it.
Do not go alone. Take someone sceptical to keep you in touch with reality at all times.
Been there seen it live - I never did and never would let anyone I know finalize deal with Carcraft. It's a company that sell bottom bid auction floor melons, after valeting rather than mechanical checks under all false pretenses on earth.
Last edited:
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well YES! car credit, have approved me 5x monthly income (~7k or so) @ a variable apr of 7.2% over 4 years. I can use any dealer that offers consumer credit and they will HPI check and condition check the vehicle for me. Sounds like i might be going down that route.
v0n: Appreciate that post m8, made me smile, its pretty much what im expecting to see from them, bit like the tele sales people who insist on first naming you, i make them call me sir sometimes Sir Conway, never managed a 'your majesty' yet they always hang up.
Im pretty clear on marketing stuff and im exceptionally good at being akward and smug about it too (winds salesmen, and women, up a treat). So on the whole im looking forward to carcraft, in the meantime im gonna be researching local dealers and trying to find a nice lower milage 00plate or newer mondy TD. Anyone here know of good dealeships in south/south west wales?
v0n: Appreciate that post m8, made me smile, its pretty much what im expecting to see from them, bit like the tele sales people who insist on first naming you, i make them call me sir sometimes Sir Conway, never managed a 'your majesty' yet they always hang up.
Im pretty clear on marketing stuff and im exceptionally good at being akward and smug about it too (winds salesmen, and women, up a treat). So on the whole im looking forward to carcraft, in the meantime im gonna be researching local dealers and trying to find a nice lower milage 00plate or newer mondy TD. Anyone here know of good dealeships in south/south west wales?
Associate
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I would be wary of the variable interest rate but the rate they have offered at this point isnt too bad.
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i believe its variable in line with the base interest rate so shouldnt vary too much over 4 years, not like a variable mortgage over 25+.
Im only gonna be looking to borrow about 3k of it in the end so shouldnt be a huge issue.
I went to Carcraft a couple of years ago. They were very willing to let me look around the cars, play with them and drive them around the place.
I'd never buy one from there though - many of the examples I saw had bits of trim missing and some were very dirty inside. One didn't even start.
And the salesman threw a wobbler when I said I wasn't going to buy. It's still a decent place to go if you just want to have a play with lots of different cars and don't mind saying no to the sales guys.
I'd never buy one from there though - many of the examples I saw had bits of trim missing and some were very dirty inside. One didn't even start.
And the salesman threw a wobbler when I said I wasn't going to buy. It's still a decent place to go if you just want to have a play with lots of different cars and don't mind saying no to the sales guys.
They see a large car, a ghia badge and it looking all clean and shiny.They ask you how you can afford a Mondeo at the age of 20. I know a few lads at college aged 17/18 who have one.
I had my Ghia X when I was at college aged 18 too.
It's really a brilliant car for my needs. I am just starting to outgrow it though with the amount of gear I carry for work.
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Asking for trouble here but....what about Days car dealers? Couple near me, any good? Let the rants begin lol
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l limit of 7k but would rather 3-5
With £6/7k you don't have to go pick garbage from carcraft, or is it the idea of having a lot of choice in one place that appeal to you? Btw, did you say you were approved for a loan - do I read it right, with "Yes finance"?
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"Yes car credit" i think they are called, i have heard of them before they seem pretty good, decent apr for my history, they HPI clear and asses based on price and milage. So even tho i wouldnt they wont let me go out and buy a cat C duff 2000 plate mondeo with 150k on the clock for £5k. lol