Thinking to buy a NEW CAR?

Buying a car on the dealer's finance is not always a bad idea. They
work in flat rates and not APRs, which may initially seem confusing. It's
really not, in fact it's easier to understand than APR.

For example, if I suggested you borrow £5000 over five years at 8% APR,
how much interest would you pay? Like me, you probably have no idea.
With a flat rate it's easy: £5000 over five years at 4% flat means you
pay £40 interest per £1000 borrowed per year.

The rates that the banks advertise are usually very low but they have
strict criteria attached. The best advice is to get your dealer to do
the best rate he can and then match it against your bank.
Shop around

One thing you must do when shopping for a car is to do just that. Shop
around for the best quotes.

With a new car you can make yourself aware of the deals on at various
outlets. With second-hand cars you can get a good target price in mind
and let you avoid overpriced dealers. At askaprice.com you can get up to
five free quotes on new cars and they'll do all the legwork for you.
Use the net

Do some research before you visit. The interweb is a great resource to
find out the best price for the car your looking for. It will let you
know the discounts everyone else is giving and the kind of deals
available.
Be friendly!

Be friendly to the salesperson. This sounds strange but a lot of sales
people are turned off when they think you are just looking!! You have
more chance of getting the deal that YOU want if you can get the
salesperson on your side.
Have a goal

Go to the dealership with a goal in mind. Be sure of how much you are
willing to spend for the right car. If the salesperson asks your budget,
low play it. So say you are willing to spend up to £300 per month, tell
the salesperson £230, Give them something to aim at.
Be realistic on part-ex values

One sticking block is always your part-exchange value. Don't expect
miracles - the dealer should give you trade value for your car. However if
you do some research you should be able to get the price up a little by
showing some knowledge.

A little research will also let you know if your car is better sold
privately or not. Part exchanging is a lot easier and more convenient and
if it is only a couple of hundred quid's difference it's probably worth
it!
Let the dealer know you're serious

Encourage your salesperson. Let them know that you are there to buy a
car now, if the deal is right. You will find that they work a lot harder
when they are going to get a deal.
Don't be afraid to walk away

Don't be afraid to leave the dealership. Once you have left, the dealer
will phone you in a couple of hours or a day or two. This is your last
chance to get some more money off. If a dealer thinks they have lost a
deal and has a chance to revive it, they will!
Only deal with the manager

The final thing to remember is to never agree a deal with the sales
person you started with. The sales manager should come over when the deal
is getting tight. Until you meet the manager don't deal. His job is to
try and do the deal without giving away any more money. That doesn't
mean he won't move on price, it just means you're close to getting as
good a price as you can.


Our mission is to help people with bad payment history circumstances.
We are committed to finding solutions for those who have these problems.

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