Does nobody buy a car outright? Am I missing something?

I just buy mine cash. Keep a limit of £4K max. Tend to keep mine for around 3 years. I like to try different cars so it appeals to me in that sense.
 
These threads are very funny as it usually ends up with a group of people who buy, let's call them remainers and people who have no issue with finance, let's call them Brexiters. It then tends to end up with remainers telling the brexiters that they are stupid or lesser people.

It is what happens in every internet forum thread. The extremes at either end shouting at each other over the people in the middle who then give up and leave the thread, then your just left with the two ends arguing with one another.
 
No its not its full of idiots in S Line, AMG super sport, M sport, ST Line, R Line etc that have to keep up appeareneces of there cars sporty bodykit and 19 inch rimz by red lining it in every gear so everyone thinks its as fast as it looks ;) that includes trying to stop anyone overtaking or having you at the lights.

I honestly think it's just you. This just doesn't seem to happen.


Minicab drivers, on the other hand...
 
I do love the bitterness from people slating the German badge cars, it normally stems from a fact of not being able to afford one. You get morons driving every badge on the road, you just seem to be focused on German badges only.

Back on topic, i paid for mine with a partial payment on CC for the protection, along with a bank transfer.
 
I do love the bitterness from people slating the German badge cars, You get morons driving every badge on the road, you just seem to be focused on German badges only..

Agreed, but it does seem that a disproportionate number of idiots buy Audi's and them drive them with no consideration to anyone else on the road. BMW and Merc less so, but it gets worse the lower you get down the specs, ie A150 and 116D definitely worse than 3-5 series/C-E class. Qashqai owners also seem to be up there in the list of "drive how the hell I like" drivers.
 
well anyone is bit broad but imo anyone who can afford to drive a car will be able to afford 200 or so needed for base spec bmw.

Which base spec BMW is £200 a month after amortisation of the deposit (Without which you get a misleading number)?

The current BMW 'offer' on a 118 Sport (Not even M Sport) is £279 a month...

Maybe you want a 320d M Sport in white? Great! Just £259 a month on the current BMW offer. But the deposit is £6219!


The odd bargain lease aside - which are generally snapped up only by the savvy - most people are probably paying rather more than you think they are.

A quick trip to the Audi website to look at the current special offer reveals the base Audi A1 1.4 for just £199 a month. Wow! Cheap huh? No, because you have a deposit of 3 grand to find as well, which over the term means that the real cost is £260 a month... for the worst car Audi sell.

Move up to something you might want but that is still a bit naff and an A3 1.6 TDI is.. £249 a month. But the deposit is almost 6 grand, meaning its really costing you almost 400 quid a month over the term.

However you fund them, new cars are actually expensive. If you don't need finance then a nearly new car is a much cheaper and more flexible way to go. If you do need finance the deals on used are much worse than new so level the field somewhat.
 
people who don't see why anyone wouldn't want a 600 quid 306.

you're kind of mis-representing my point there- the point was if you want a car just as a tool and to be as cheap to run as possible then it's the obvious choice, the economics are undeniable when the whole car is worth less than a set of michelins for premium slice of germany.

its basically the reason why dacia exists- a market based on people who don't want any fancy stuff and just want a practical box on wheels.

i'm not saying that it's not ok to want a nicer motor, just that trying to cover it up by claiming it's more economical or less hassle is false.
 
Insurance on top of that as well which likely be another £50 a month.

It's no surprise the Nissan scheme is so popular in the North East, plenty of Puke's around on the Nevos scheme that are £180 all in or something, no deposit, no insurance, even some excess on damage when it goes back and a new one every 9 month.
 
you're kind of mis-representing my point there- the point was if you want a car just as a tool and to be as cheap to run as possible then it's the obvious choice, the economics are undeniable when the whole car is worth less than a set of michelins for premium slice of germany.

No it’s not. It’s a huge amount of hassle. What will happen next time it has an MOT? Will it pass? Won’t it pass? What’s that funny noise? Is Part X worn out? Oh it wont start, etc etc. Oh now it’s 10pm and raining and my 15 year old 306 has a leak blah blah. It’s a fairly indisputable fact that reliability begins to tail off as a car ages.

It’s perfectly reasonable to want just a tool that works *and* not want an old car. Infact the arguments in favour of a new car are surely greater for those who don’t care about cars than those who do – if you are into cars and your car is more than just a tool you might even enjoy tweaking bits, you’ll have the knowledge to easily and cheaply repair parts, or know whether that funny noise is a problem, or whatever. If you just want a tool you just want your tool to work in a comfortable, reliable and safe fashion without really needing to think too hard about it.

Is anyone who buys a new washing machine a washing machine enthusiast? Are they really into washing machines, hence they buy new? Or do they just want a tool? Why don’t they get a 40 quid machine out the free-ads? Its just a tool to wash your clothes, why spend £800 on a Miele? There is a Hotpoint in the paper for 20 quid…
 
you're kind of mis-representing my point there- the point was if you want a car just as a tool and to be as cheap to run as possible then it's the obvious choice, the economics are undeniable when the whole car is worth less than a set of michelins for premium slice of germany.

its basically the reason why dacia exists- a market based on people who don't want any fancy stuff and just want a practical box on wheels.

i'm not saying that it's not ok to want a nicer motor, just that trying to cover it up by claiming it's more economical or less hassle is false.

There's a difference between recommending a sensible cheap, reliable car (i.e. a £4k Honda Civic or Toyota Somethingorother) and a £200 old 306 which may be cheap but won't be reliable or dependable.
 
I can't think of many things worse than forking out hundreds a month for a shiny new generic car. It's throw away money, just like rent. Fair enough if it's a necessity, however I think a lot of people would be surprised at what can be had with some searching, basic car knowledge and the understanding that you may need to spend some money and time on fixing things initially.
 
No it’s not. It’s a huge amount of hassle. What will happen next time it has an MOT? Will it pass? Won’t it pass? What’s that funny noise? Is Part X worn out? Oh it wont start, etc etc. Oh now it’s 10pm and raining and my 15 year old 306 has a leak blah blah. It’s a fairly indisputable fact that reliability begins to tail off as a car ages.

the whole point of a car like that is if it fails mot you just scrap it and buy another, even if this happens every single year (ignoring the fact that this won't happen on every occasion and very minor issues could be fixed) you're only going to be spending £500 per year on the car itself which works out to be £40/month.

i've heard just as many tales of brand new cars having failures to run as older cars, hell in the last 7 years my example 306 has never failed to start, my 15 year old skoda over the 5 years i owned it never failed to start and the only "leaks" either had were due to chipped windscreens, or is brand new glass bulletproof? yet i've heard of brand new volvos needing to be sent back to the factory to get electrical issues fixed.

now i'm not saying it's the only option, as howard rightly says going up not too far in price yeilds a much nicer car which balances nicely between economics and wants.

as i said, there's nothing wrong with wanting extra niceties in a car, and accepting that this will cost more, just that spending £6k a year leasing a base spec bmw cant be defended as a purely practicality motivated move.
 
the whole point of a car like that is if it fails mot you just scrap it and buy another, even if this happens every single year (ignoring the fact that this won't happen on every occasion and very minor issues could be fixed) you're only going to be spending £500 per year on the car itself which works out to be £40/month.

Yea, because scrapping your car and then trawling the small ads for another is fun, right? Yes - it is fun, for people like us, who like cars and buying cars. For people who have other things to think about instead? Probably not so much. If they can afford not to have to mess about running bangers and scrapping them after MOT's then why would they not just.. get a newer car?

i've heard just as many tales of brand new cars having failures to run as older cars, hell in the last 7 years my example 306 has never failed to start, my 15 year old skoda over the 5 years i owned it never failed to start and the only "leaks" either had were due to chipped windscreens, or is brand new glass bulletproof?

a) You are the luckiest person in the universe if no old car you have ever owned has gone wrong
b) When your new Volvo breaks, you telephone Volvo assistance and shortly a rental vehicle is provided and your car is being fixed. It's no hassle.

as i said, there's nothing wrong with wanting extra niceties in a car, and accepting that this will cost more, just that spending £6k a year leasing a base spec bmw cant be defended as a purely practicality motivated move.

So now its 500 quid a month for a base spec BMW? That's almost double the £279 figure BMW are currently advertising for a 118d. It seems to me that you've got no real understanding of how any of this works, how much any of it really costs, what sort of benefit anyone derives from it, etc. You've just got your own approach, which is fine, but are either unwilling or unable to understand how anyone doesn't simply take the same approach to cars as you do.

I'm not personally saying I think leasing a new car is the best option. I don't do it myself and I cannot see a situation where I ever would. But that doesn't mean I can't see the benefits some derive from it and understand why a new, uptogether car might be more appealing than an old Peugeot.
 
Yea, because scrapping your car and then trawling the small ads for another is fun, right? Yes - it is fun, for people like us, who like cars and buying cars. For people who have other things to think about instead? Probably not so much. If they can afford not to have to mess about running bangers and scrapping them after MOT's then why would they not just.. get a newer car?

exactly what I was getting at in my previous posts.
 
Yea, because scrapping your car and then trawling the small ads for another is fun, right? Yes - it is fun, for people like us, who like cars and buying cars. For people who have other things to think about instead? Probably not so much. If they can afford not to have to mess about running bangers and scrapping them after MOT's then why would they not just.. get a newer car?

sounds about as fun to me as trawling the web to find the best finance deal? for someone who doesn't really like car shopping

a) You are the luckiest person in the universe if no old car you have ever owned has gone wrong
b) When your new Volvo breaks, you telephone Volvo assistance and shortly a rental vehicle is provided and your car is being fixed. It's no hassle.

i never said nothing went wrong, just that they never failed to start, of course things have went wrong and were fixed but nothing ever went wrong that made them un-driveable as you seem to suggest happens to old cars constantly, maybe i am lucky that i've never seen an old banger that didn't run.

So now its 500 quid a month for a base spec BMW? That's almost double the £279 figure BMW are currently advertising for a 118d. It seems to me that you've got no real understanding of how any of this works, how much any of it really costs, what sort of benefit anyone derives from it, etc. You've just got your own approach, which is fine, but are either unwilling or unable to understand how anyone doesn't simply take the same approach to cars as you do.

ok, so you got me on the figures, i'm not being exact. but you're just using that as an excuse to gloss over the point, which was that by all means do it, just don't try and defend it as "it's just a tool" outside of very limited circumstances (ie doing an extremely large amount of miles), by all means if you want it and can afford it tear away!

I'm not personally saying I think leasing a new car is the best option. I don't do it myself and I cannot see a situation where I ever would. But that doesn't mean I can't see the benefits some derive from it and understand why a new, uptogether car might be more appealing than an old Peugeot.

i never said a shiny new car isn't appealing, i'd love me a brand new m2 with all the bells and whistles, there's an entire industry based around what people want. but you said it yourself-it isn't the best option, especially if you don't care about anything other than practicality.
 
sounds about as fun to me as trawling the web to find the best finance deal? for someone who doesn't really like car shopping

Which the majority of people don't do. They walk into the local dealer and sign. For those who do trawl the web for the best deal at least its warm in your longue and you don't need to visit random peoples houses or partially abandoned petrol stations full of £300 auction rejects advertised for £1499.

ok, so you got me on the figures, i'm not being exact.

Don't you think knowing what things cost is an important first step before declaring it a waste of money?

but you're just using that as an excuse to gloss over the point, which was that by all means do it, just don't try and defend it as "it's just a tool" outside of very limited circumstances (ie doing an extremely large amount of miles), by all means if you want it and can afford it tear away!

It's not an extremely limited set of circumstances is it? Even if you only do average mileage per year it's not exactly outrageous that you might prefer to do it in a nice modern car rather than a crap old one, is it? Which goes back to the washing machine argument. Are you big into fridge freezers? Do you love them? Or is it just a tool to keep food cold? Where did you buy your fridge freezer? You wasted your money, didn't you know there are loads of them in second hand shops?!

i never said a shiny new car isn't appealing, i'd love me a brand new m2 with all the bells and whistles, there's an entire industry based around what people want. but you said it yourself-it isn't the best option, especially if you don't care about anything other than practicality.

'best' means so many different things. You seem to think it only means 'absolute cheapest ignoring any other factor'.

Leasing doesn't work for me because I am very fussy about trim level, specification and engine choice. So, for me, a year or so old approved used works. For others who just want a decent up-together car on a fairly good deal, leasing might be the best choice.
 
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