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Golf mk7 / Re: Buying on PCP
« Last post by trueblue_ips on Today at 12:13 »
It sounds like you have enough money now and incoming that PCP might not really be for you. Why not use the deposit to buy outright with a bank loan with lower APR to cover the difference? When your windfall comes your way you can then pay off the bank loan right away with no penalties.

Also think carefully if that new car smell is worth the extra cash. Depending on what you're coming from, a nearly new from a dealer would save you a fair amount of money for very little difference in car. From my experience buying a 16 plate GTI PP this year, the whole thing felt exactly the same (actually, better) as when I bought a new TDI 4 years ago - but with far less waiting around.

I think that is the right Finance option for my circumstances, thanks.

My only concern about buying nearly new is getting one with all the options I want: sunroof, Dcc, keyless, reversing camera. Nobody seems to spec the Dcc which I don't understand. And of course in the colour I want which is white.
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Golf mk7 / Re: Buying on PCP
« Last post by neepy7.5 on Today at 12:09 »
It sounds like you have enough money now and incoming that PCP might not really be for you. Why not use the deposit to buy outright with a bank loan with lower APR to cover the difference? When your windfall comes your way you can then pay off the bank loan right away with no penalties.

Also think carefully if that new car smell is worth the extra cash. Depending on what you're coming from, a nearly new from a dealer would save you a fair amount of money for very little difference in car. From my experience buying a 16 plate GTI PP this year, the whole thing felt exactly the same (actually, better) as when I bought a new TDI 4 years ago - but with far less waiting around.

The issue I found when deciding between new and nearly new is that you could actually pick up a brand new car for cheaper as it'll include the £1500 deposit contribution and further discounts through sites like Carwow and DTD. Depends if you want to wait 4-6 months or not. Also if you're going down the PCP route then APR is usually better on a new compared to used.
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Golf mk7 / Re: Buying on PCP
« Last post by JB GTI on Today at 10:45 »
Arrange a bank loan etc at a much lower APR take out the PCP and exercise your right to withdraw. I picked up my car on a Friday and rang VW finance on Monday and only paid 3 days interest @£3.30 a day and transferred the money that day. Finance contribution and free servicing offer were unaffected and still honoured by VW.  If I remember correctly though, you only get 14 days to withdraw from the finance agreement..

You will of course p*ss the poor sales person off as they won't get commission on the finance as think it has to be in place for at least a few months before been settled for them to get paid!

That’s exactly what I thought however, it was the salesman who suggested it 😁
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I was considering these wheels and wasn't sure how they'd look in 18". But they ok great.

Can get a brand new set here for £1200..

Yes think they look awesome with only 18".  :smiley: But black rims are hard to keep nice. So easy scratches...  :sad:
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Golf mk7 / Re: Buying on PCP
« Last post by MrBinks on Today at 09:41 »
It sounds like you have enough money now and incoming that PCP might not really be for you. Why not use the deposit to buy outright with a bank loan with lower APR to cover the difference? When your windfall comes your way you can then pay off the bank loan right away with no penalties.

Also think carefully if that new car smell is worth the extra cash. Depending on what you're coming from, a nearly new from a dealer would save you a fair amount of money for very little difference in car. From my experience buying a 16 plate GTI PP this year, the whole thing felt exactly the same (actually, better) as when I bought a new TDI 4 years ago - but with far less waiting around.

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I was considering these wheels and wasn't sure how they'd look in 18". But they ok great.

Can get a brand new set here for £1200..
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Golf mk7 / Re: Buying on PCP
« Last post by Jim_mk7.5 on Today at 09:05 »
Arrange a bank loan etc at a much lower APR take out the PCP and exercise your right to withdraw. I picked up my car on a Friday and rang VW finance on Monday and only paid 3 days interest @£3.30 a day and transferred the money that day. Finance contribution and free servicing offer were unaffected and still honoured by VW.  If I remember correctly though, you only get 14 days to withdraw from the finance agreement..

You will of course p*ss the poor sales person off as they won't get commission on the finance as think it has to be in place for at least a few months before been settled for them to get paid!
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Golf mk7 / Re: New car order delays
« Last post by neepy7.5 on Today at 08:40 »
Thanks Watchdog i'll send him an email
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Golf mk7 / Re: Real World mpg - GTI PP DSG
« Last post by Sootchucker on Today at 08:37 »
Again non PP GTI, but for the 3000 miles I've owned it (since may), my average according to Fuelly is 36.3 mpg although I do expect that to drop a little now the colder weather is here.

My trip to work is 10 miles though a town centre in the morning, and approx 14 miles on the motorway on the way home (due to traffic conditions). My MPG going to work (from stone cold) is around 32-35mpg (depending on traffic lights etc) and around 40-45mpg on the motorway on the way home, (with over 50mpg once in the summer).

By contrast my GTD's over the same journeys would achieve around 38-42mpg in the morning and around 48-55mpg in the evenings. My overall on Fuelly for my last GTD (tracked over 16k miles) was 45.2 and my first MK7 GTD (over 23k miles) was 45.9.The GTD's really didn't like the cold weather. Will be interesting to see if the GTI is affected as badly once the real cold weather arrives?

Bear in mind as well all 3 of these cars are DSG, so a manual should be little better.
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Golf mk7 / Re: Buying on PCP
« Last post by JB GTI on Today at 08:09 »
Arrange a bank loan etc at a much lower APR take out the PCP and exercise your right to withdraw. I picked up my car on a Friday and rang VW finance on Monday and only paid 3 days interest @£3.30 a day and transferred the money that day. Finance contribution and free servicing offer were unaffected and still honoured by VW.  If I remember correctly though, you only get 14 days to withdraw from the finance agreement..
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