Buying cars... cash or finance?

gman said:
Very similar cars, I think they share a lot of underpinnings but the RR edges it for me. The XC40 looks good as well and has a decent AWD system.
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Yes, very similar cars but different internal and external styling. For whatever reason the Jag seems to be cheaper although I doubt that'll be the clincher. I like them both but Mrs WW thinks the Jag looks old fashioned although I can't really see why she thinks that. She left a Nissan X Trail at home in Thailand when she moved here. A previous love interest of mine had a Lexus 4x4 which was very nice but I've settled on the Jag or LR.
 
gman said:
Very similar cars, I think they share a lot of underpinnings but the RR edges it for me. The XC40 looks good as well and has a decent AWD system.
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I looked at XC40 and XC60 but the 'infotainment' system put me off. I find the trend towards large screens with everything being menu driven slow to navigate and distracting, not something you would want to deal with while driving. I much prefer seperate controls for heating/ventilation. I wouldn't have a Tesla for the same reason. I much prefer BMW iDrive technology.
 
woof woof said:
Yes, very similar cars but different internal and external styling. For whatever reason the Jag seems to be cheaper although I doubt that'll be the clincher. I like them both but Mrs WW thinks the Jag looks old fashioned although I can't really see why she thinks that. She left a Nissan X Trail at home in Thailand when she moved here. A previous love interest of mine had a Lexus 4x4 which was very nice but I've settled on the Jag or LR.
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Aye I like the internals of the RR much more and the E-Pace looks a little lacking inside and doesn't have the lovely Jaguar handling which you would expect. Also, I believe the RR Evoque holds its value very well which is a bonus.
 
broc said:
I looked at XC40 and XC60 but the 'infotainment' system put me off. I find the trend towards large screens with everything being menu driven slow to navigate and distracting, not something you would want to deal with while driving. I much prefer seperate controls for heating/ventilation. I wouldn't have a Tesla for the same reason. I much prefer BMW iDrive technology.
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Yep, I'm the same. Touch screens can look nice if done well but I find them more dangerous to use on the move, plus fingerprints are a nightmare. I like the rotary dials like BMW as well, plus AUDI's although it can be a little button heavy. I also prefer integrated screens which have protection from the bright sun, I'm not a fan of these screens which look like an afterthought.
 
I very rarely use the screen in mine. Last time was a couple of weeks ago when I wanted to use the seat cooler and I did that before setting off.
 
woof woof said:
I've only once looked at an Audi. When I was thinking of changing my Jag S I drove a go fast A3 (S Line I think it was) but the salesman gouged me at both ends as he offered me far less than my Jag should have been worth as a trade in and whacked thousands on the price of the A3. When I got home I improved on the trade in and A3 price saving literally thousands with the first phone call to another dealer but in the end I went another way. I've no idea why he gouged me so badly but obviously he didn't get the sale. At the mo there's no Audi, BMW or Merc that would tempt me.
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That's what I bought a 2018 A3 S Line..... CRAP ... I've mostly had Jags and Lexus in the past, lesson learned.
 
chrism_scotland said:
I've often been told that you can get a better deal paying on finance; often with extras like service package, etc chucked in.

Personally I've done both in the past but paid for my last couple in cash.

You can take out "gap insurance" which covers any potential difference between the outstanding finance amount and the insurance valuation of the car (in the event of a write off); personally I paid a big enough deposit that I don't think it would have been an issue for my last car anyway.
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Yep, got a load of extras for taking out finance on the Skoda I just bought, then called the finance company and paid it off in one go to avoid the interest.
 
beyond the blue said:
That's what I bought a 2018 A3 S Line..... CRAP ... I've mostly had Jags and Lexus in the past, lesson learned.
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Later I was glad I didn't buy it as the ride was far too hard.

I've just been configuring the Jag E Pace and RR Evoque and I was surprised to see the final price come out near enough identical but looking on Autotrader the lightly used E Pace's are coming up cheaper than the Evoques.

I haven't decided if I'll go new or used yet, but does look like you can maybe save a lot on a low mileage car, with the Jag depreciating more.
 
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TBH, with JLR products, buying used is a better bet - let the first owner deal with the depreciation and getting the niggles sorted!
 
These cars together with their German competitors are often at the bottom end of the quality and reliability surveys but from what I've read some of the reoccurring common issue aren't issues that would prevent you driving the car... so I'm not unduly worried especially as a car that comes bottom of the JD Power Survey today would have been utterly amazingly reliable back when I started driving :D

What worries me more are the more serious things like Vauxhall people carriers bursting into flames and the seemingly inherent engine/gearbox fragility issues that plague some German brands.
 
Bear in mind that any petrol/diesel car registered after 2017 and with a list price of over £40k attracts an extra £335 car tax per year, for the first five years of its life. It doesn’t matter what discounts you manage to negotiate, it’s always based on the manufacturer’s list price. We got stung with that when we bought our petrol Audi Q5 a couple of years back.

Just when you thought Dick Turpin was dead. :mad:
 
Wow, thought the extra cash was just the first year, definitely going to keep the search for a new car for herself under the limit or not new.
 
I have two cars at the mo, Hyundai Getz which my mam gave to me when she gave up driving and MX5 so that's two sets of road tax. The MX5 gets hammered at £315 and it's a only a 1.6. Getz is £130.
 
boogie man said:
Bear in mind that any petrol/diesel car registered after 2017 and with a list price of over £40k attracts an extra £335 car tax per year, for the first five years of its life. It doesn’t matter what discounts you manage to negotiate, it’s always based on the manufacturer’s list price. We got stung with that when we bought our petrol Audi Q5 a couple of years back.

Just when you thought Dick Turpin was dead. :mad:
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Unless it's an electric car, which is zero tax no matter the cost.
www.carwow.co.uk

Electric Car Road Tax Guide

Do you pay road tax on an electric car? Learn the current EV tax rules and how they affect UK drivers in this handy guide.
www.carwow.co.uk www.carwow.co.uk
 
wyx087 said:
Unless it's an electric car, which is zero tax no matter the cost.
www.carwow.co.uk

Electric Car Road Tax Guide

Do you pay road tax on an electric car? Learn the current EV tax rules and how they affect UK drivers in this handy guide.
www.carwow.co.uk www.carwow.co.uk
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Yes, until the majority of people have bought an electric car, then you can bet your bottom dollar the government will start taxing them (or find an equivalent tax) or they will lose billions a year in revenue.
 
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boogie man said:
any petrol/diesel car registered after 2017 and with a list price of over £40k attracts an extra £335 car tax per year, for the first five years of its life.
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Specifically states petrol/diesel.
 
Mr Badger said:
Yes, until the majority of people have bought an electric car, then you can bet your bottom dollar the government will start taxing them (or find an equivalent tax) or they will lose billions a year in revenue.
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Not on current tax-free ones ;)
 
Looking at the new prices and the chance of taking a good kicking over road tax maybe a lightly used one could be tempting rather than a new one. One problem could be that I'd be looking at a petrol engined car but diesel seems more popular and there are fewer petrol ones around.
 
woof woof said:
Looking at the new prices and the chance of taking a good kicking over road tax maybe a lightly used one could be tempting rather than a new one. One problem could be that I'd be looking at a petrol engined car but diesel seems more popular and there are fewer petrol ones around.
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Unlkess it over 5 years old, you will still have to pay the surcharge on the road tax up to 5 year point - the way I look at it is that the surcharge is the equivalent to 4 full tanks of fuel, so an extra 1/3 of a tank a month is neither here nor there when owning this type of vehicle
 
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I can't see anyone who buys a £40K+ car that does 30MPG giving a toss about another £335 a year to be honest
 
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