![]() ![]() And if you have hobbies with specific requirements, make sure the car is up to the job. Take the kids along to ensure they can get comfortable, too, and that it’s easy to get child seats in and out. ![]() Make sure you, and anyone else who will be driving it, is satisfied and can find a suitable driving position behind the wheel. Once you’ve drawn up your shortlist, call round dealers to book test drives, and put the car to good use. You should spend time ensuring that the model you choose has the space, style, economy, and performance you need. The cars listed above are our considered recommendations, but they won’t suit everyone. ![]() You’ll pay cash for the car, so dealer discounts are harder to come by. A bank loan with an attractive interest rate is another route. The days of cash being king are long gone in the new-car market and you may find the deals offered via this purchase method are less attractive than those available were you to take out a PCH or PCP deal.Ĭredit cards offer a level of consumer protection but have heavy interest rates. HP agreements are secured against the vehicle, so tend to offer more attractive interest rates than those offered with unsecured bank loans, for example. At the end of the term you own the car outright. Put down a deposit then make monthly repayments that, unlike with a PCH or PCP deal, pay off the value of the car. Not many people choose hire purchase now, but it’s still possible to take out an old-fashioned HP agreement on a new car. While there’s no large deposit, unlike a PCP, which offers a reasonable degree of flexibility, a PCH will tie you in for the duration, with no option of handing the car back early without a financial penalty. After an ‘initial rental’ or up-front payment, you make a series of regular payments until the agreement ends, after which you hand back the car and walk away. PCHĪlso known as personal leasing, PCH deals require less capital up front. So while PCP deals are the most popular finance option, retailers also have an alternative, called Personal Contract Hire (PCH). Other ways to financeįew buyers have the means or motivation to spend tens of thousands of pounds in one go. If you don’t want to own the car outright or roll any ‘equity’ into a new deal, your third option is to hand the car back with no additional payments, and walk away. Most car makers have their own version of a Personal Contract Purchase (PCP) and they all work in the same way. ![]() More than 90 per cent of the new cars sold in the UK are purchased using some kind of finance, so while list prices are often referred to, monthly figures and deposits are arguably more relevant. While the 2.0-litre will only cost a few pounds extra over the 1.8-litre, just bear in mind you do lose a little boot space. Plus Toyota is currently offering low-interest finance and a deposit contribution of up to £1,250. There’s a choice of hatch, saloon and estate bodystyles, and they all deliver an upmarket interior and the latest tech. The British-built machine handles sweetly and rides smoothly, while its hybrid engines offer refinement and up to 60mpg. Yet that all changed when the Corolla arrived in 2019. Until recently, Toyota had struggled to make an impact in the compact hatch class. Model: Toyota Corolla 1.8 Hybrid Design. ![]()
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