Reasonably new car for about £10,000

death_looms · 23 Aug 2010 at 23:15

I'd love to pay outright, but I'm not long in my job and have a wedding to pay for, so cash up front isn't an option for a few years. Unsecured personal loan was my guess, have to ring the bank anyway tomorrow so I'll ask about rates then. It's going to be nice to have a real car, although I love my wee corsa, never let me down, it's time to move on.

[TW]Fox · 23 Aug 2010 at 23:17

death_looms said:
I'd love to pay outright, but I'm not long in my job and have a wedding to pay for

So why spend £10k on a Vauxhall?

DM · 23 Aug 2010 at 23:19

Fox is right though, 5k will get you a great upgrade and not kill the wedding plans.

death_looms · 23 Aug 2010 at 23:31

Well, simply because I'd like a nice car! I enjoy my driving, a lot, and want something I can really relish! I am taking your advice on board though, I'll be looking to see what mondeos I can grab for around £5k tomorrow

The Mad Rapper · 23 Aug 2010 at 23:36

[TW]Fox;17223748 said:
To be honest if you are cruising in your average diesel and you want 'the power' you still need to drop a cog otherwise you get that delay waiting for the turbo etc etc.

That depends on the car TBH.

The Mad Rapper · 23 Aug 2010 at 23:37

Meatball said:
Not financing it at all and paying for it outright!

Although glib, he's right. Be different, be prudent. Buy what you can afford, debt is no fun.

[TW]Fox · 23 Aug 2010 at 23:40

The Mad Rapper said:
That depends on the car TBH.

Not really, not in the context of average diesels at least.

Captain_Slick · 23 Aug 2010 at 23:41

The Mad Rapper said:
Although glib, he's right. Be different, be prudent. Buy what you can afford, debt is no fun.

Debt is fine so long as you know what you want, how long you want it for and get a good deal on the HP/PCP/whatever.

Some people want to pay £xxx for 60 months rather than spend the same amount of time saving up the same amount.

[TW]Fox · 23 Aug 2010 at 23:42

Captain_Slick said:
Debt is fine so long as you know what you want, how long you want it for and get a good deal on the HP/PCP/whatever.

Some people want to pay £xxx for 60 months rather than spend the same amount of time saving up the same amount.

Which is fine but whats the point for something as generic as a Vauxhall? There is just no benefit in getting a loan for one, it doesnt buy anything appreciably better does it?

The Mad Rapper · 23 Aug 2010 at 23:44

[TW]Fox;17224755 said:
Not really, not in the context of average diesels at least.

What would you class as average?

[TW]Fox · 23 Aug 2010 at 23:45

The Mad Rapper said:
What would you class as average?

1.9-2.2 litres of capacity, 130 to 170bhp of power output, 4 cylinders.

The Mad Rapper · 23 Aug 2010 at 23:45

Captain_Slick said:
Debt is fine so long as you know what you want, how long you want it for and get a good deal on the HP/PCP/whatever.

Some people want to pay £xxx for 60 months rather than spend the same amount of time saving up the same amount.

I understand that, one cap does not fit all. I'm sure you recognise my general point though?

Morba · 23 Aug 2010 at 23:46

death_looms said:
Well, simply because I'd like a nice car! I enjoy my driving, a lot, and want something I can really relish! I am taking your advice on board though, I'll be looking to see what mondeos I can grab for around £5k tomorrow

you want to relish a normal everyday car?
if you are going to spend 10k on a drivers car then cool, but dont expect to relish (for long) a normal car

The Mad Rapper · 23 Aug 2010 at 23:48

[TW]Fox;17224786 said:
1.9-2.2 litres of capacity, 130 to 170bhp of power output, 4 cylinders.

OK. Well our car fits into that bracket, and I've no complaint about it's acceleration. Correct gear choice is obviously a factor, but I don't feel generally that I have to drop a gear to accelerate away. All cars with turbos suffer from lag to some extent, including petrol engined cars - would you agree?

Captain_Slick · 23 Aug 2010 at 23:48

The Mad Rapper said:
I understand that, one cap does not fit all. I'm sure you recognise my general point though?

I do. I'm just pointing out that your general point doesn't have much relevance to the OP.

In a world full of free money, yes everyone would buy the best car they can afford in cash in full. Real life isn't like that though. Plenty of people don't want to save up for 5 years or more likely can't... because they need a car now and don't want to buy a £1000 runabout that'll depress them for 5 years.

My advice to the OP is to either buy a £5k Mondeo like has been suggested or buy something nicer with more toys on finance so long as he's happy to pay £x for x months.

[TW]Fox · 23 Aug 2010 at 23:50

Absolutely I'd agree that all turbo cars suffer from that issue.

The point I am making is that there seems to be this impression that you simply dont need to change gear in a diesel engined car to access the performance offered by the engine and I'm just not convinced this is the case, really. If you are cruising along at 50-60ish your engine is ticking over at a nice 2000rpm for lots of economy. Plant the throttle at this engine speed and it's going to take a while before you eventually access what you'd be able to call 'decent performance'.

Drop a cog and nail it and you'll find that performance instantly - which is great, but... you do this in a petrol powered car as well..

Morba · 23 Aug 2010 at 23:52

drop a cog in a diesel, hit the powerband as fox says.

Moeks · 23 Aug 2010 at 23:53

To actually keep the car on the boil, you need to change gear 'more' in a diesel car anyway I have found, due to the rather narrow power band.

The Mad Rapper · 23 Aug 2010 at 23:58

Captain_Slick said:
I do. I'm just pointing out that your general point doesn't have much relevance to the OP.

In a world full of free money, yes everyone would buy the best car they can afford in cash in full. Real life isn't like that though. Plenty of people don't want to save up for 5 years or more likely can't... because they need a car now and don't want to buy a £1000 runabout that'll depress them for 5 years.

My advice to the OP is to either buy a £5k Mondeo like has been suggested or buy something nicer with more toys on finance so long as he's happy to pay £x for x months.

We spent £13K in cash for our car, with our part-ex on top. I'm sure we aren't unusual?

I've read the OP again, but am confused about how much he actually has to spend? Is it £5K or £10K?

Captain_Slick · 24 Aug 2010 at 00:02

The Mad Rapper said:
We spent £13K in cash for our car, with our part-ex on top. I'm sure we aren't unusual?

I've read the OP again, but am confused about how much he actually has to spend? Is it £5K or £10K?

Depends what part of the country you're from...

It would be unusual where I live, anyway. Most of the new cars I see people getting are either brand new on motability deals or company cars. Everything else is used used used or nearly new on finance. Most people on my street or people I work with would be happy to have £1300 in cash, let alone £13k.

I think it's £10k finance or £5k finance.