Want a brand new car, but not sure if i can get one

Generally speaking there will likely be a fair few people in a similar position. Myself included. I don't know whether I'd get finance but I know I could afford the payments because I've only had a credit card about 6 months and until then it was just phone payments before that.

I do concede your point though :D
 
Anyone can get finance, its just a question of how much interest it will cost you.
 
Serious suggestion

A fiesta previous gen 1.4 or zetec s

Or a clio from the current gen about 06 or so

Every bit the same ride and quality as the new models ( far better than a punto from 2000 anyway

I suppose really my advice translates to " hatchback from 3-4 years ago" really
 
god even a modernish fiesta is better than a 10 year old punto even the newer puntos fall apart :eek: and they are horrible to drive ( imo)


don't get a new car, get a nice modern ish second hand one like a focus if you need the size fiesta sized is better.......plus with a new car the insurance might be stupid plus you will have to insure it fully comm ( depending how old you are)

I came from a metro (97) to a 56 plate fiesta- a lot better plus its great to drive.
 
Just to straighten a few things out here, first up those that think im living below the poverty line im not, im in a good job earning good money & have plenty saving, the reason i don't have credit cards ect is that i've never needed them I usually pay for everything in full in cash hence why only fair credit rating.

Also the reason i drive a Punto is because it cheap to run & tbh never caused me any real problems ,the car itself is in great condition bodywork & engine wise it just the squeaking seats & horrid supension that **** me off.

I could easily slap down 6k on a second hand car if needed, but im one of those that thinks i don't want to end up buying something that could give me problems & having to be constantly in the garage hence no warranty, or not much of one that covers bugger having me folking out more, & yes even 2 year old cars start having problems.

The reason i was thinking of getting a new car is basically if anything does go wrong with it it covered by warranty.

I have my eye on a Black Focus Zetec S

What i forgot to mention is my old man pal works in a Ford showroom, so he could get me a decent deal if i wanted he did a a credit check for me & said there should be a problem plus i can use the Punto as trade in aswell.
 
If you're only rationale for buying new is for the warranty then get a Kia for it's 7 year cover. :p

With your £6k in savings you could get a 3 year old Focus, buy a 3rd party warranty and you wouldn't owe anybody a penny.

Failing that, get a £5k car and keep £1k to cover anything that could potentially go wrong with it.

If you don't want to blow your savings then get a bank loan for £6/7k and do the same. Although you'll be in debt it will be a lot less than you would be if you'd bought new and the rate would *probably* be better than you could get from a dealership.

As long as you do enough research, don't rush into it and find a cared for example, a 3 year old car with 1 owner and FSH really isn't that much of a risk.
 
Ixon said:
The reason i was thinking of getting a new car is basically if anything does go wrong with it it covered by warranty.

I have my eye on a Black Focus Zetec S
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A Focus Zetec-S, brand new, is circa £16,000. Are you really telling me you want to spend £10,000 extra on a car so you can get a warranty? Really?!

Did you not realise that approved used cars come with a warranty as well?
 
Ixon said:
Just to straighten a few things out here, first up those that think im living below the poverty line im not, im in a good job earning good money & have plenty saving, the reason i don't have credit cards ect is that i've never needed them I usually pay for everything in full in cash hence why only fair credit rating.

Also the reason i drive a Punto is because it cheap to run & tbh never caused me any real problems ,the car itself is in great condition bodywork & engine wise it just the squeaking seats & horrid supension that **** me off.

I could easily slap down 6k on a second hand car if needed, but im one of those that thinks i don't want to end up buying something that could give me problems & having to be constantly in the garage hence no warranty, or not much of one that covers bugger having me folking out more, & yes even 2 year old cars start having problems.

The reason i was thinking of getting a new car is basically if anything does go wrong with it it covered by warranty.

I have my eye on a Black Focus Zetec S

What i forgot to mention is my old man pal works in a Ford showroom, so he could get me a decent deal if i wanted he did a a credit check for me & said there should be a problem plus i can use the Punto as trade in aswell.
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I got an ST220 3.0 V6 for 6 and a half and that came with a years warranty... what's your point again?
 
[TW]Fox;17104597 said:
You've got a pretty average at best credit rating, you dont seem to be swimming in cash, a brand new car probably isn't a great idea?
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How do you know how much cash he has from a credit rating. Also taking the average of credit ratings are 0-1000 score. 807 is in the excellent category and would result in "very likely" for credit.
 
djkav said:
Also taking the average of credit ratings are 0-1000 score. 807 is in the excellent category and would result in "very likely" for credit.
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No, it's 'fair' as he quite correctly states himself. There isn't really such thing as a 'Credit Rating' but one of the main credit reference agencies DOES allow you to pay and receive a 'rating'. Thing is almost everyone who does this ends up with 999, so to get much less than that indicates less than perfect credit.
 
[TW]Fox;17113356 said:
Surely he should buy a Corsa, somebody once said it was the best all round car in the world for less than £20k?
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Sure, if he wants a small, fun, fast hatchback with a fantastic interior, then a Corsa VXR would suit him perfectly. But as he's mentioned a Zetec-S, I can only assume he isn't after something quick.
 
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