« Reply #3 on: 29 June 2019, 10:23 »
Hi Ben, going from the other thread you say a GTD or R-Line.
Traditionally the GTD was quite cheap to PCP as Golf Diesels had rock solid residuals so the monthlies were reasonable on them, especially if you had a company car allowance.
Obviously the world has moved on a bit in the last 2.5 years so it’s worth checking out the petrol models monthly costs (including the GTI as they’re really good on fuel and run on the cheap normal unleaded).
Maybe check out the Polo too as it is a fair bit cheaper than a Golf and very nearly as big, shares a lot of tech and even the chassis is very closely related.
Depending on what discounts you can get PCP makes sense for your mileage. You’re not going to want to actually own an out of warranty high mileage car I’d imagine so you can ignore the balloon payment straight away.
I’ve never had a PCP but always surprise car sales people as I do understand how they work, an awful lot of punters walking in off the street don’t understand them a bit, they just get sucked in by the monthly payments. And the payments are what brings people in to them as they are flexible and can be tailored and/or massaged by the salesperson. You’ve done the right thing by doing your homework on the pros and cons first.
What I’ve found sales people recommend is taking it out over a longer period and chopping the car in before the term ends. I’d imagine that was even more relevant for a high mileage driver like yourself but might be wrong, maths never was my strong point!
There are plenty of people on here far more qualified and experienced than me on the specifics.
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‘23 8R, ‘20 8CS, ‘19 135iX, ‘19 TCR, ‘17 Ed40, ‘17 GTD, ‘15 7R, ‘13 GTI PP, ‘11 GTI, ‘09 GTI, ‘98 Ibiza Cupra, ‘05 GTI, ‘06 Polo GTI, ‘04 GT TDI, ‘05 Fabia vRS, ‘02 GTI T, ‘03 Ibiza TDI 130, ‘01 Leon 180, ‘89 mk2 16v, ‘99 Ibiza TDI, ‘96 VR6, ‘98 Ibiza TDI, ‘92 VR6, ‘88 mk2 8v, ‘92 Polo G40, ‘91 mk2 8v, ‘89 mk2 8v, 205 GTI 1.9, ‘83 mk1 GTI, ‘80 Scirocco GTI, plus some others I’ve forgotten
