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Author Topic: Pcp golf gti  (Read 8963 times)

Offline Cameron jenkins

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Pcp golf gti
« on: 07 June 2019, 11:20 »
£1,000 deposit and £1,500 from Volkswagen
So £2,500 deposit
36x£373.06
Final payment of £13,704.30
For a new 19 plate golf gti
Is this good? What would be the cheapest option? And the best plan after the 3 years?
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Offline Hertsman

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Re: Pcp golf gti
« Reply #1 on: 07 June 2019, 12:23 »
The specification plays a part in whether thats good value, as is that standard or is there any options added?and is this new from stock or used with what mileage?

Just some more details as plenty here will be able to give you a really good response if they have them
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Offline dubber36

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Re: Pcp golf gti
« Reply #2 on: 07 June 2019, 12:37 »
There was a thread on here earlier this week about leasing. Monthly figures were around £300 a month. Given that you'll have very little equity at the end of the PCP term, leasing could well be much cheaper.


 
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Offline fredgroves

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Re: Pcp golf gti
« Reply #3 on: 07 June 2019, 13:30 »
£29634.46 total cost...

What was the actual price of the vehicle?

What's the interest rate?

What mileage did you ask for?

Where did you get the quote from? Have you tried DriveTheDeal?

Do you intend to purchase it after 3 years?
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Offline kmpowell

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Re: Pcp golf gti
« Reply #4 on: 07 June 2019, 13:42 »
OP - on a new car from a dealer, every aspect is fixed (APR, GFV, car cost, options cost etc)., so discussing those is irrelevant. The only thing that isn't fixed  is the discount on the car. Discount can be given as "despot contribution and/or Discount. That's all that matters as to wether it's a "good deal" or not.

From your original post it looks like you're only getting £1500 contribution towards the car, and if this is the case then no it's not a good deal. 8-10% is a good achievable amount.

:)
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Offline dubber36

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Re: Pcp golf gti
« Reply #5 on: 07 June 2019, 14:37 »
Is the £1500 a deposit contribution from VW, or a discount off the list price from the dealer? If it is from VW, you'd get that anyway regardless of what further discount you negotiate.

Also what other finance incentives are been offered? Servicing etc...
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Offline charlie_cc

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Re: Pcp golf gti
« Reply #6 on: 07 June 2019, 15:56 »
Sounds expensive to me, but then again, dealers usually are. If you're not bothered about owning it after 3 years, take a look at PCH.

I have a GTI, 36 months, 10K / yr, £305 / month, 3 months deposit.

My total payment after 3 years works out at £11,900.

Yours works out at £14,400. We don't know your mileage requirements, so it might not be apples for apples, but it's £2.5K cheaper to lease. Granted, I don't have the option to buy at the end.

Just thought, yours is a 19 plate, so probably a PP. Mine is a standard GTI.
« Last Edit: 07 June 2019, 15:58 by charlie_cc »
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Offline david25

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Re: Pcp golf gti
« Reply #7 on: 07 June 2019, 18:39 »
Copy and paste from leasing thread

From CVL (models below are special offer)

TCR
Contract Length 36 Months
Initial Rental £3,000.00 inc VAT
35 Months @ £315.59 inc VAT per Month
Annual Mileage 5,000

R DSG
Contract Length 36 Months
Initial Rental £2,753.89 inc VAT
35 Months @ £305.99 inc VAT per Month
Annual Mileage 5,000

The GTI models are not currently on special offer, costing more than £320 / month

Cupra 290 with free metalic
Contract Length 24 Months
Initial Rental £2,400.00 inc VAT
23 Months @ £245.99 inc VAT per Month
Annual Mileage 8,000
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Offline Aparat

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Re: Pcp golf gti
« Reply #8 on: 07 June 2019, 18:48 »
Quote from: charlie_cc on 07 June 2019, 15:56
Sounds expensive to me, but then again, dealers usually are. If you're not bothered about owning it after 3 years, take a look at PCH.

I have a GTI, 36 months, 10K / yr, £305 / month, 3 months deposit.

My total payment after 3 years works out at £11,900.

Yours works out at £14,400. We don't know your mileage requirements, so it might not be apples for apples, but it's £2.5K cheaper to lease. Granted, I don't have the option to buy at the end.

Just thought, yours is a 19 plate, so probably a PP. Mine is a standard GTI.
Where from? Considering leasing for my next car. I was supposed to keep this one for years but I'm not sure it will happen :)
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Offline trueblue_ips

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Re: Pcp golf gti
« Reply #9 on: 08 June 2019, 09:34 »
I always said I would never lease and would PCP. However, this time I knew I wouldn't want to keep the car and wanted a short 2 year financial commitment to get something until the Mk8 comes out.
Leasing worked out cheaper by quite a bit on the monthlies.
I would say PCP is great if you may want to keep the car, otherwise a lease seems to be the cheaper option.
You will struggle to get a 5 dr DSG GTI at a decent price though if that's what you want. Plenty of manuals and 3dr DSGs around but not the popular 5dr DSG version.
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