Best 4 Door Coupe?

Trojan Horse · 11 Sep 2019 at 22:15

hey guys,

im looking for lowest insurance, but the best car i found is the CLA 180, has all the perks but highest mileage and lowest engine size (1.3)

the premium plus is £28K drivethedeal.com/buy…ted

my budget is max 30K, 4 door coupe (was thinking of alternatives like audi a6 but they were way over budget)

alternatively looking at e class saloon, their oldest model with the comand online is 2016

looking for car advice, not financial advice

[TW]Fox · 11 Sep 2019 at 22:18

This makes very little sense. How is an Audi A6 'way over budget' if you've got 30 grand? Spending this much money on an entry level bottom of the range Mercedes with a tiny engine seems absolutely mad. Why not wait a couple of years if insurance is an issue until you can buy something actually good?

Don't spend massive money on rubbish cars. You'll look back in regret.

MichaelAwkward · 11 Sep 2019 at 22:23

I doubt you'll get the advertised 3.3% rate on a 30k loan if it's your first one either. Probably double that.

Iamzod · 11 Sep 2019 at 22:38

Trojan Horse said:
the 200 version is £29K but I don't think I would need the extra HP?

Yes you would, aren't these about 9 seconds to 60? I'd imagine it feels pretty wheezy & frustrating to drive.

tom_nieto · 11 Sep 2019 at 22:53

[TW]Fox said:
This makes very little sense... You'll look back in regret.

This and this some more.

EDIT - you could spend 50-60% of your budget on any one of a wide range of BMW 6 series gran coupes and spend the rest on insurance.

https://www.autotrader.co.uk/classi...tising-location=at_cars&sort=price-asc&page=2

tamzzy · 11 Sep 2019 at 22:58

21 with a £30k car!?

Insurance is gonna be a bitch lol...I wouldn't be surprised you'll be dishing out £4k pa

Trojan Horse · 11 Sep 2019 at 23:12

tom_nieto said:
This and this some more.

EDIT - you could spend 50-60% of your budget on any one of a wide range of BMW 6 series gran coupes and spend the rest on insurance.

https://www.autotrader.co.uk/classified/advert/201811132389531?make=BMW&model=6 SERIES GRAN COUPE&onesearchad=Used&onesearchad=Nearly New&onesearchad=New&postcode=cw71pt&price-to=20000&radius=1500&advertising-location=at_cars&sort=price-asc&page=2

thanks for having the first genuine contribution

the 6 series looks insane are there other models i could look at? is 60k mileage gonna be a problem, reckon its better to spend more and get with 20k mileage?

the insurance would be like 4k+ on a 3l lol

Diagro · 12 Sep 2019 at 00:05

Your a fool for even thinking about doing this.
And your parents are numpties

[TW]Fox · 12 Sep 2019 at 06:45

Trojan Horse said:
thanks for having the first genuine contribution

Really? That's actually what you think?

eviled · 12 Sep 2019 at 07:07

At 21 do you need a 30k depreciating asset?

You can’t be a petrol head given the car your looking at.
So it must be the the perceived prestige of driving a Mercedes around.

My advice would don’t fall into the car debt trap.
A car several years old would be my recommendation - Seat Lean <10k ?

Basher · 12 Sep 2019 at 07:27

It's a stupid idea at 21. Get a cheaper car and spend the money on doing things you'll actually enjoy.

Trojan Horse · 12 Sep 2019 at 08:11

Basher said:
It's a stupid idea at 21. Get a cheaper car and spend the money on doing things you'll actually enjoy.

Right I’ll say this once and I don’t have to justify what I spend my money on:

I live at home. Save over 2K a month. Go on holiday several times a year. Don’t spend on anything else.

There are savings accounts that pay 5% interest that generate more money than the loan. Going through a loan means my money works for me, and I already have several YEARS worth of emergency buffer to cover me in loan payments.

Now for the last time. Not looking for finance advice from people that save less money than me. Here looking for car advice.

If you don’t have any car advice, don’t bother posting. I don’t have time for smart ass keyboard warriors.

BUDFORCE · 12 Sep 2019 at 08:11

This is capitalism kicking in.

I feel sorry for these people.

Temujin · 12 Sep 2019 at 08:13

I can't help but echo the sentiment of most in this thread, unless you are earning silly money (which the car choice suggests you are not) this is not going to end well!
Don't lump yourself with a 30k debt at that age, it isn't going to be fun and within a year you'll be regretting it probably within a year.
Also, incredibly unlikely you'll get a loan at that percentage again as others have said..

Diagro · 12 Sep 2019 at 08:16

Trojan Horse said:
Right I’ll say this once and I don’t have to justify what I spend my money on:

I live at home. Save over 2K a month. Go on holiday several times a year. Don’t spend on anything else.

There are savings accounts that pay 5% interest that generate more money than the loan. Going through a loan means my money works for me, and I already have several YEARS worth of emergency buffer to cover me in loan payments.

Now for the last time. Not looking for finance advice from people that save less money than me. Here looking for car advice.

If you don’t have any car advice, don’t bother posting. I don’t have time for smart ass keyboard warriors.

Wow, stuck up a little?

If you have saved that much, go and buy the car outright.

The car you want is crap. Absolutely boring.

Have fun in your slowmobile

200sols · 12 Sep 2019 at 08:18

Trojan Horse said:
Right I’ll say this once and I don’t have to justify what I spend my money on:

I live at home. Save over 2K a month. Go on holiday several times a year. Don’t spend on anything else.

There are savings accounts that pay 5% interest that generate more money than the loan. Going through a loan means my money works for me, and I already have several YEARS worth of emergency buffer to cover me in loan payments.

Now for the last time. Not looking for finance advice from people that save less money than me. Here looking for car advice.

If you don’t have any car advice, don’t bother posting. I don’t have time for smart ass keyboard warriors.

Don’t buy the car, put the money towards a house. And if you want car advice don’t buy some crappy terrible engined merc for the perceived image.

tamzzy · 12 Sep 2019 at 08:19

Trojan Horse said:
I live at home. Save over 2K a month

Ya pr0 yo!

scaza · 12 Sep 2019 at 08:22

I was in the same position at 21,

Living at home, saved a 30k lump, no outgoings, looking at something stupid like a Porsche Cayman s or a cheap vantage.

Ended up doing neither, grew up and bought a house.

But on the subject of car advice, don't buy a 180 repmobile for 30k.

Basher · 12 Sep 2019 at 08:27

Trojan Horse said:
Right I’ll say this once and I don’t have to justify what I spend my money on:

I live at home. Save over 2K a month. Go on holiday several times a year. Don’t spend on anything else.

There are savings accounts that pay 5% interest that generate more money than the loan. Going through a loan means my money works for me, and I already have several YEARS worth of emergency buffer to cover me in loan payments.

Now for the last time. Not looking for finance advice from people that save less money than me. Here looking for car advice.

If you don’t have any car advice, don’t bother posting. I don’t have time for smart ass keyboard warriors.

That's cute. You're assuming a lot about others (I save a lot more than £2k a month). I was offering some genuine advice based on what I've learned from bad experiences at a similar age.

Your choice. Go for it.

Personally I'd be putting it into something to create long term wealth, but if you're not interested in that then crack on.

Also, which account pays 5% interest on £30k+?

Trojan Horse · 12 Sep 2019 at 08:31

BUDFORCE said:
This is capitalism kicking in.

I feel sorry for these people.

Basher said:
That's cute. You're assuming a lot about others (I save a lot more than £2k a month). I was offering some genuine advice based on what I've learned from bad experiences at a similar age.

Your choice. Go for it.

Personally I'd be putting it into something to create long term wealth, but of you're not interested in that then crack on.

Also, which account pays 5% interest on £30k+?

HSBC saver account, there are others but no Vanguard account does less than 5%

My “long term wealth” plan is to triple my take home.... I’m not gonna get there with the hundred or two quid I’d get in interest from saving thousands on thousands

And again this is less than a third of my income, I will still be clearing 2K savings...

For the final time; no more ****** financial advice from keyboard warriors.

Post about cars or GTFO