Which used car?

Well, went today and test drove a civic EX model. Looked good the brake pads needed changing and a service was needed (only had 4 services up to 45k miles and the car had 85k miles.)

Other than that, the usual wear inside, but everything worked.
Engine had good pull from low revs.

Was getting excited, until the minute the dealer heard that the car was for me and not my uncle that I went with.

Turns out, I can't get finance cause I haven't been living for 3 years in the UK.

So, I can get finance for a 6 year old used car, when I have enough money to buy the car brand new from the dealership. :rolleyes:

Going out tomorrow to check a 12 year old 1.6 Golf, for £995, good mileage (around 80k) full MOT history from when new, but no word on the servicing.

Just gonna that if it is in good order, till it dies, and then I'll get a brand new car.

:(
 
Service history is important, I'd have walked if I had seen that service book!

Speak to banks, see if you can get a loan rather than finance.
 
The 3 year requirement will likely be the same, but its definitely worth checking

Agree about the history, the civic isn't exactly rare or exotic, no excuse for not maintaining it - will also hide age quite well with fresh paint so I would have been very suspicious
 
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It's definitely worth making some calls and getting some advice. Companies like ratesetter or zopa might be able to cater for circumstances like this as they tend to tailor things more individually.

Alternatively, if you have a relative who trusts you, see if they'll get the loan and set up a standing order to their account for the monthly payment
 
M1k3H said:
So, I can get finance for a 6 year old used car, when I have enough money to buy the car brand new from the dealership. :rolleyes:
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So why not pay cash for the 4-5k used car you want if youve got enough money for a brand new car? Financing low value cars is expensive anyway and you shouldnt do it unless you have no choice - sounds like you have the choice?

Going out tomorrow to check a 12 year old 1.6 Golf, for £995, good mileage (around 80k) full MOT history from when new, but no word on the servicing.
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This seems sensible enough.
 
[TW]Fox;23440633 said:
So why not pay cash for the 4-5k used car you want if youve got enough money for a brand new car? Financing low value cars is expensive anyway and you shouldnt do it unless you have no choice - sounds like you have the choice?
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He means that in 3 years time, by the time he'll be able to get the finance on a 5k car according to what the dealer told him, he'll be in a position to afford a brand new car anyway. He doesn't mean he has the money for it now.
 
Yeah, that's what I meant :p

The service book was just the honda dealership services only.

The dealer told me he could phone the guy he bought it from for receipts from other garages. I would imagine for 45k miles, without a service, that's just... it doesn't make any sense.

Anyhow, the golf seems the most sensible choice now really.

I'm just appalled at the insurance prices, they almost cost as much as the car itself :(
 
M1k3H said:
Yeah, that's what I meant :p

The service book was just the honda dealership services only.

The dealer told me he could phone the guy he bought it from for receipts from other garages. I would imagine for 45k miles, without a service, that's just... it doesn't make any sense.

Anyhow, the golf seems the most sensible choice now really.

I'm just appalled at the insurance prices, they almost cost as much as the car itself :(
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100k more miles, fully serviced then the clock wound back makes more sense though, especially seeing how much harder (without any justification) it is to sell a 140k car ;)
 
Well 85k miles is not little, I would imagine if you get into the trouble of rolling back the miles, on a car that still drives excellent and looks modern, you would just go all the way.

I'll go take a look tomorrow on the golf and a few other cars I found on the internet. If I don't like any, I'll call Barclays up, to ask for a loan, but after almost being refused a UK account because I had not been staying for 3 years in the UK, I think this is going to be a long shot.
 
Don't forget the OP is an immigrant, so insurance will be very high for a few years.
get a few insurance prices 1st or be stung.

I'm surprised nobody has said get an MX5.
 
Well, went today looked at the golf and few others, terrible cars.

Everything was spitting oil, when the engine was revved, out the exhaust.

Went and saw a friend of my brother in law's, who sells minis and he told me that the reason the other dealer said I was going to be refused finance, was a load of crap, and he would be more than happy to do a credit check on me, and from what I've told him about my credit status, he is very confident I'll be able to get finance.

So I'm going by his office tomorrow, to check a few minis and see if I can get finance, if I can, I'll get a mini, if not... I really don't know, I might as well stay without a car for 2 more months till I can afford something cash.
 
Well, I wouldn't mind to be honest. Obviously you get less for your money cause you buy the brand, but the positive is the guy who sells them is a mini specialist in repairing etc, so you know you are getting a good car and I think you get a warranty as well.

I'll go tomorrow and have a look and hopefully I'll leave with a car.
 
Gribs said:
Because they've no idea about your driving history and their stats will back up the increased average risk.
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Yes they do. I've got all the documents from my insurance in Cyprus, saying that I've had 5 years insurance with no claims done in that time.

And by the way, it makes no difference if I put Full EU or Full UK driving licence, but anyhow, I can exchange it for a Full UK one.
 
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