View Full Version : Well, I'm 99% definitely getting a brand new car..
Automatic..
1.2 16v engine..
17.9 0-62 :eek:
Top speed of... 92mph..
Trade in price on my SX = £1500. Woo!..
Going to see if I can find one for a test drive tommorrow, then presuming that goes well, I'll order, and have it by the end of the month..
Can you guess what it is yet?..
shadowninja
10-02-2003, 00:34
punto 75s?
nothing a turbo unit wont solve...
all the best!
Nope.
It's Japanese, and I'm trying to see if I can wangle an 'SX' badge for it...
Next guess?..
Jezz_S13
10-02-2003, 06:18
simpology
Jezz_S13
10-02-2003, 08:51
Micra. :rolleyes::D
I don't speak Micra ;)
But you're right :)
They don't do the SX in the auto, so I'm going to try and wangle it to change the SE badge to SX. Good trade in for my S13, an incredibly tempting finance deal, with a really rather low balloon payment after three years (About half of what the car will actually be worth!..)
1.2 16v Automatic, funky-ass new shape.
In three years, I will.
i) Have paid off my major loans in or before the agreed periods (Woo!)
ii) Have an economical, town-friendly nearly new car to pootle around in, or sell for an estimated value of around £7k, which I can either re-finance or get a small loan to pay the balloon, OR, get a new car with a sizable deposit, OR, sell it, and have enough money to flee the country and try for that new life I seem to so desperately desire.
iii) Only debt I'll have is the circa £3.5k for the Micra, meaning if my plans to escape the country fail, I can loan myself up again, and get an S15 :D ;)
It seems bizarre, but it really does appear to be a win/win scenario. Trying to find an auto demonstrator in the area to test drive, but I'm looking at ordering sometime this week.
And yes, it will have sxoc.com, DORI-CAR and Team NightSpirit stickers if I have anything to do with it.. :)
http://www.nissan.co.uk/data/cars/29/cb/e_accenta_ky5.jpg
Top speed of 92mph though :(
Seventeen point Nine :eek:
:D
Jezz_S13
10-02-2003, 09:05
That's real performance there D.
get the colour of the birds lipstick in the advert, kinda bayside blue.
I didn't know it was legal to make cars so slow, consider the hazard they cause when trying to merge onto motorways or merely pull out of junctions. :D
You just wait 'til I get you on the quarter mile, Mr Jezz... ;)
I can't actually comprehend a 0-62 of 17.9 seconds.. It's going to be a humbling experience to say the least :(
Jezz_S13
10-02-2003, 09:12
Originally posted by D
You just wait 'til I get you on the quarter mile, Mr Jezz... ;)
I can't actually comprehend a 0-62 of 17.9 seconds.. It's going to be a humbling experience to say the least :(
LOL, we'll mod it for you. :)
Get a CA18 in it. :)
Funny you should say that, actually ;)
Stood in the Nissan dealer, with the bonnet open on a 1.2 Micra, peering in, muttering "What could we do to this, then?" as the salesman walks past "Do what?"..
"Oh, nothing.."
:D
D,
a couple of questions...
You mention a figure of 7k - is that what you expect the Micra to be worth? If you're getting the 1.2 16v I'm guessing that you are paying £8995 or £9495 (without the auto supplement - unless you're getting that thrown in for nowt).
Nissans have an average retained value of around 45% after 3 years... So you're looking at £4k ish... (assuming the market doesn't plummet again which opefully it won't!)
A Polo or a 1.4-iDSI S Honda Jazz would hold more value...
ANyhoo... Hope you enjoy the Micra :D
Good choice D. :D
Get your membership in to the Micra Sports Club ;)
Also, check out the Nismo parts for it on Prospecs website :D
Originally posted by Starionman
D,
a couple of questions...
You mention a figure of 7k - is that what you expect the Micra to be worth? If you're getting the 1.2 16v I'm guessing that you are paying £8995 or £9495 (without the auto supplement - unless you're getting that thrown in for nowt).
Nissans have an average retained value of around 45% after 3 years... So you're looking at £4k ish... (assuming the market doesn't plummet again which opefully it won't!)
A Polo or a 1.4-iDSI S Honda Jazz would hold more value...
ANyhoo... Hope you enjoy the Micra :D
The total price of the car is about £10.5k/just under £11k or so I believe, three years with minimal miles, should see me at least £6k or thereabouts.
Or so I hope, I'll burn those bridges when I come to them :)
i) Can't afford Polo or Jazz.
ii) Free Insurance :)
Just found an auto to test drive with minimal fuss, so off to Stockport in the morning, if I get on with it, I'll order tommorrow :)
Holmes14a
10-02-2003, 10:38
I'd think long and hard about this matey. There is NO way it'll be worth 7K in three years time. No chance at all. Small cars depriciate faster than that. And wouldn't you rather spend 10K on something a bit quicker? Surely other manufacturers are doing free insurrance on quicker models. The only reason I say this is that you might get bored very quickly with a car this slow and start trying to mod it and spunking away a load of cash.
Just don't want things to get worse for you again. Why not buy a second hand Micra for a grand or two and keep that till it dies. In the mean time you could be paying off debts and saving up for that S15.
Not trying to piss on your bonfire cos I know how I get thinking about new cars:rolleyes: Either way I'd still be keen on seeing whatever you get down the Mascarat:D
Oh and don't forget, mats, flaps, free automatic and a full tank of petrol. Try waiting till the end of the month as they'll be desperate to meet quotas.
Good luck matey:D
The only person winning here is the Nissan dealer. :(
I share other people's comcerns. This plan will not work. As already stated Nissans depreciate quicker than shares in the Iraqi defence industry ;)
You'll have paid a fortune in repayments on a car that will be worth a couple of grand tops, and you'll have to spend years being miserable driving a poor car.
I though your plan of getting a Swift GTi was a far better idea.
There's no point in saddling yourself with extra debt to clear debt !
Am giving it lots and lots of thought. Fear not.
Ultimately, it ain't going to be worth less than what I'll owe for it. If all else fails, I give it back. Debt-free.
It's a case of needing a car (deemed a neccessity, sadly.), this way I don't have to bother about MOT, Servicing costs for two years, warrantied for three years, and the all life-saving years free insurance. Re-insurance on a 1.2 Micra, with 1/2 years NCB will be a lot easier to cope with for years two and three.
If I could afford a faster car.. I'd stick with the SX, y'know?
Lots of thought going into this as I said, but currently, it's seeming like quite a good idea, for at least the next three years. It's not just about instant perks, similar to those the SX gave, it's about really trying to sort some stability for a possible future. It is a big thing, and it's scary as buggery as I'm reluctant to enter into more finance agreements, but the only thing really playing on my mind is "What else could you do with £170 a month?".
Answer? Squander it.
Reasons for buying a new car? Free insurance for a year (Insurance on a second hand 1.0 Micra for me now, is still circa £800-900 TPFT.) Not to mention finding the capital to buy it in the first place? This way I get rid of the SX for £500 more than I could've sold it for, I'm fairly convinced that if I'd sold it to someone I knew, that it would've gone tits up the day after, and I would've ended up feeling hugely guilty or something, and just.. It's head over heart, sadly. Plus I need to stop driving a faster car before my luck runs out and I kill myself. I manji'd down the road, and ended up completely losing it last night, luckily from doing a bit of drifting, I managed to spot a opening in the road and 180'd it to safety, but I'm only just 21, i) I don't really deserve a quicker car, and ii) I intend on keeping alive :)
Knowing my luck, I'll drive it tommorrow and it'll be a bag of crap anyway :)
Nathan_200sx
10-02-2003, 11:02
What parkers say :
-Valuation for: Nissan Micra 1.4 SE 5d Hatchback Auto View Car
Review Year / Reg Original Price A1 Good Fair Trade
2000 /W £11045 £5315 £4990 £3260 £4185
Nathan_200sx
10-02-2003, 11:05
Originally posted by D
(Insurance on a second hand 1.0 Micra for me now, is still circa £800-900 TPFT
:eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek:
£5k is still more than I'd owe.
All I'd need by then would be enough for a plane ticket :D ;)
Originally posted by Nathan_200sx
:eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek: :eek:
Welcome to my world :)
21yrs old. 1years NCB come february 22nd. License held for about 20 months. = Not good.
Well, good luck with whatever happens mate :)
Dave
Nathan_200sx
10-02-2003, 11:17
Originally posted by D
Welcome to my world :)
21yrs old. 1years NCB come february 22nd. License held for about 20 months. = Not good.
Thats not insurance thats theft!!!
Most normal cars are around £800-1000 for me to insure. From a 1.1 H reg Fiesta, to an AE86, to a Swift GTi..
And, I won't mention that I paid £2300 TPFT for the SX this year, then...
Suddenly a Micra doesn't seem like such a bad idea, eh? :)
Who said micra's are miserable? Damnit. they are great little cars.
Nathan_200sx
10-02-2003, 11:38
Originally posted by andyf
Who said micra's are miserable? Damnit. they are great little cars.
How many have you crashed andy :):D
D- from what you've told us of the finance deal, I had a quick calculation and its not too bad really...
£3500 what you owe after 3 years
£170/month for 3 years = £6120
£1500 your old car
So total over 3 years would be £11120 (excluding the niggly stuff like road tax etc). If the purchase price is £10500 its not a huge premium on top.
Normally these finance deals are crap because the final amount paid is a lot higher than the purchase price...are you sure the balloon payment is £3500 and £170/month?
Personally I would steer clear of new cars cos of depreciation (after three years you have a car worth ~£4k but paid £11k) but then my circumstances are different from yours.
My SX - £1500 deposit.
£177.25 over three years.
balloon of £3711.72
I rounded them for the sake of arguments :)
It is quite a decent deal, hence my temptation.
We'll see how the test drive goes, I guess :)
Originally posted by D
The total price of the car is about £10.5k/just under £11k or so I believe, three years with minimal miles, should see me at least £6k or thereabouts.
i) Can't afford Polo or Jazz.
1.4-litre Jazz brand new to you £8,995, the same as a Micra with a lower spec and with a lower eventual resale.
Honestly mate, a JAzz is a better proposition. You might even wangle an insurance deal through them and still come out on top...
Originally posted by Starionman
1.4-litre Jazz brand new to you £8,995, the same as a Micra with a lower spec and with a lower eventual resale.
Honestly mate, a JAzz is a better proposition. You might even wangle an insurance deal through them and still come out on top...
For the manual perhaps.
Automatic/CVT Jazz = £11,195.
Micra wins.
:)
dave_s13
10-02-2003, 15:02
Bottom line seems to be youre shelling out for an 11k car that'll be worth 3 or 4k in 3 years, doesn't seem like the best way of getting out of debt to me m8.
Surely its cheaper to get a 7% personal loan from cahoot or somewhere, sell the 200 and buy yourself something half decent but cheap to run/insure to run around in while you sort out your debts.
You should be easily able to buy and run a car for 3 years that'll cost you less than £170 a month; and you won't owe anything after 3 years and you still have a car to keep/sell.
In the long run I just can't see how buying a brand new car can save you money.
Do you have to have an automatic? You'll get more mpg and better performance from a small engine with a manual and probably find it easier to sell later on as well.
Agree with what's been said though. You can't get yourself out of debt by taking on more debt and buying a brand new car means you might as well be throwing the £20 notes on a fire and burning them up.
I only have an automatic license, with no real desire to fuss myself with upgrading until it's worth my while.
Besides, I have big plans... :D
Chris_Lacey
10-02-2003, 15:49
D, not wishint to be funny.. but that 0-60 is 17.9 with a Jap test driver.. they weigh what, 10st tops?... You know where I'm heading!
Anyhow, the other threads are right. Although it is great hassle free motoring, 10k is a lot to pay for that kind of car, plus it is fairly ugly...
Can't you get a consolidation loan, buy a decent second hand mid range car and write off your debts that way?
Not wishing to be funny, but if it was performance I was after, would I buy a fricken' Micra? :)
I'm denying depreciation, or the sheer ludicracy of this train of thought, but right now, it's making a lot of sense.
Besides, can you imagine the hilarity of an SXOC.com stickered up new Micra on the SXOC stand at JAE? :D
;)
Chris_Lacey
10-02-2003, 16:25
D, get an all in one consolidation loan, one monthly payment and lower APR than credit cards etc, for £10k in debt you would be looking at £300 pcm for 4 years or something like that. You could even get the loan slightly bigger for another car, and there are plenty of auto's out there for hardly any money that are cheap to insure and go better than a 1.2 Auto micra.
Why get a new car and pay massive depreciation, buy a 5 yr old Citroen Xsara Turbo Diesel Auto for £3.5k safe in the knowledge that it can't lose more than 3.5k in value, will go forever and has all the mod cons.
New cars are a mugs game, and most garages will let you trade in on a second hand car.
Nowhere will give me a consolidation loan. I have tried this route before, mate. :(
Those that know me, know I wouldn't go for a 1.2 Micra, facing fairly hefty depreciation, and the mockery that will undoubtedly ensue when I turn up to meets in it, if it wasn't the last of an ever-decreasing list of options.
But for now, I'm going to go and drive like a ****** in the rain, in the centre of Manchester. Night ;) :p
I would seriously consider spending the money on a used car, you'll still get a good trade in price on yours, and the car will be worth more 3 years down the line as deprecation will be less.
New cars are a con
These plans are all very well, but you're just taking on £11k of debt to get yourself out of more debt :confused: I know that it seems easier, as they're only taking a monthly amount that seems low, but overall, you're losing at least £2k a year on it, just in depreciation, to say nothing of the running costs.
And I know it's been said, but buy something like a Peugeot diesel - it'll run forever, it'll be cheaper to buy (and run) in the first place, and there's no way you'll be able to lose £2k a year on a car worth less than that!
Come to think of it, surely that £2k deprecation would pay for the insurance on the 200? Not that I'm trying to suggest you should keep it, but that's the enormity of the money you're losing on the Micra in depreciation alone.
Get a Skoda Fabia diesel auto or at least somethign that keeps more than 45% of value
Seriously tho - go seondhand. Even at a franchised dealer who will do you up the jacksy you'll pick up somethign that you can't lose too much on and will run for ages. Ford etc do long warranties...
Originally posted by D
consolidation loan.
A contradiction in terms and a con trick especially if you go for one of those companies that advertises on digital TV.
By consolidation loan, I mean.. one large loan to cover the others, which is what a consolidation loan is, is it not? The banks I have loans with at the moment certainly won't go for it.
Test drive postponed until tommorrow.
It's all well and good these suggestions you're bringing to my attention, but at what point do you think that I haven't thought of all these options before?
I'm 21, and essentially, screwed. I can't afford a second hand car. I can not get any loans. I can not afford insurance. Etc, Etc. Fricken' listen to what I'm trying to say, you know? I'm looking at three years to get to an almost level state. Worse case scenario; I give the car back as it's worth the same as the balloon I owe, big deal. I've had cheap-ish payments on a really funky, albeit damned slow, yet economical car for three years, If it broke, I didn't have to pay for it, I work for a month or two after this period ends, to earn enough to pack my bags and head wherever I wish. Best case scenario, it's worth more than what I owe, I sell it, pay off the balloon, have enough to escape immediately.
Either way, I'm out.
£177 a month for the first year, obviously more for the second and third due to insurance, which on a 1.2, with 2, and then 3 years no claims, is going to be a lot lighter than on anything faster, with a bigger engine (diesels included.) et al. If I were to not get a new car, then yeah, I'd probably pay off my loans maybe, all of a year sooner, but I'd be stuck using public transport, I'd lose out on a fairly large social aspect of my life (you lot, and the associated events.).. and considering I generally have no life, this is a big deal. I'd be forced to beg for lifts to places out of walking distance, I'd have to WALK! to places within walking distance..
Oh, and thanks for all the encouragement. . :)
Hope I make some sense, I am beginning to wonder. :rolleyes:
-D.
By consolidation loan, I mean.. one large loan to cover the others, which is what a consolidation loan is, is it not? The banks I have loans with at the moment certainly won't go for it.
How can taking out a loan to pay off another loan (or loans) do anything to reduce your debt? You'll still owe the same or probably more in the long term. Your monthly payments may be reduced but only because the term of the loan will be longer than before, so in the end you'll end up paying more in interest. Companies that specialise in consolidation loans usually have a much higher rate of interest than ordinary loan providers (cahoot etc).
All you can do to get rid of your debt in the long term is batten down the hatches, get a cheap runabout that'll not cost you much to buy or run, minimise your expenses and pay what you've got off.
I can not afford a cheap runabout.
I can not afford to insure a cheap runabout.
I need a car the moment my insurance on the 200 runs out, I'm becoming increasingly convinced my car is screwed anyway, so I'd be happier palming it off onto a Nissan dealer in exchange for a sizable deposit on, what is essentially, a scarily well spec'd car, than selling it, and ending up feeling guilty and terrible when perhaps it blew up a short while after I'd sold it.
I can not afford even the cheapest of runabouts.
I can not afford a second hand car.
I can not raise enough instant capital to buy a second hand car.
How many times must I re-say the same things?
I can't even be accused of SCRABBLE! consider there's probably not enough power to lose traction... ;)
dave_s13
11-02-2003, 06:31
You've not been clear about your credit status though.
Are you saying that even if you wanted to get a loan from Cahoot, or others, they wouldn't give you one??
Originally posted by D
The banks I have loans with at the moment certainly won't go for it.
I'd say that about sums it up Dave :(
(Before D blows his top :) )
Dave
I have a loan with HFC.
I have a loan with Lloyds.
I'm in the process of hacking away at my sizable Lloyds Overdraft.
My Lloyds credit card is maxed.
And all from owning a 200SX, magical eh? I should've bought a Micra to start with ;)
I've never missed a payment and I'm up to date on all loans and I'm surviving with minimum payments with the credit card, until the overdraft is paid off, then the extra I've been earning will start piling on the CC. My actual credit history is good (I've also got an existing finance agreement, AND another small loan, being paid off by other people who owe me money.) but my history with Lloyds is less than chirpy, and the fact they're the most extra-charge'happy bank I've ever encountered means life isn't particularly pleasant with them. I should be fine with finance agreements (although knowing my luck, I'll test drive the car tommorrow, like it, try to buy one and they'll knock me back, Heh.) , but as far as loans go, I don't even want to try.
I've been working 20 hour days/nights in order to earn extra to pay off my overdraft, so I know nothing but hard graft will cure this. Please don't think that I'm just instantly dismissing any alternatives people are suggesting, I'm just getting a little frustrated at saying the same things over and over.
I don't mean to sound unappreciative. Apologies if it seems so. :)
-D.
Originally posted by D
And all from owning a 200SX, magical eh? I should've bought a Micra to start with ;)
Just to add as an afterthought, that extra small loan, currently being paid off by someone other than myself, was the money that paid for the Norris Designs cylinder head replacement, Heh.
Fricken' cars.
Originally posted by D
I can not afford a second hand car.
OK, don't shout at me, I think I may have missed something - how then can you afford a new car?
I have a feeling that I know places that will give you very good finance on an Approved Used car...
Are you near Sheffield or Bradford by any chance?
OK here's a suggestion:
Toyota Yaris 1.3 16v GLS Auto
£10,175
Retained value after 3 years: 57%
Great little car
Really cheap as chips to run, insure, own.
Perodua Kelisa or Kenari. Autos are £6600 and £6930 respectively. 1.0-litre engines, get hammered on retained value - about 37% or there abouts. But you only lose £4k-ish
Daihatsu Sirion
Autos are £7995 (1.0) and £9995 (1.3), 49% and 48% retained/3 years
Nice little cars, slightly odd but pretty good all rounders.
OK, so I know these are new cars and I still think that the best bet would be second hand, jsut a few ideas ya know?
:)
Will they give me free insurance for a year? No.
Will they give me a three year warranty? No.
Will they cover all servicing costs for two years? No.
Etc, Etc...
I don't fit comfortably in a Yaris, sadly. I did try. I did however fit perfectly in the Celica...
I would not fit in a Perodua, that I can assure you.
Remember, 6ft/6ft 1ish, and 26+ stone = a challenge :)
Originally posted by D
Will they give me free insurance for a year? No.
Will they give me a three year warranty? No.
Will they cover all servicing costs for two years? No.
OK, I understnad about the insurance - but won't the deposit/purchase price negate this?
Warranty - a lot of main dealers do approved warranties which last for 2 years or there abouts.
Servicing, fair enough. Just be sure that they won't invent new parts to be replaced each time
SteveCarter200
11-02-2003, 12:02
If you can afford payments of £177/month then you can afford a second hand car. You are just thinking too new/expensive.
Get a car that costs you £100 or less that has 6 months MOT and tax. It might be a bit of a sh1tter but it can be done. For example Paul_S13 bought a 1.8 injection Belmont for £50, it lasted him the best part of 9 months pretty reliably. Insure it third party only, the car cost peanuts to buy, who cares if it gets stolen. When the MOT and tax run out go and buy another car for <£100. Total expenditure (apart from insurance) £100. You reckon insurance will be £800/year perhaps so your total yearly expenditure will be £1000 whereas you current Micra plan will cost you £2124. Dont be proud, you cant afford to be.
So over the 3 years that you have to drive shitters you will have saved over £3K, on top of what you already pay, which I hope will go some way to paying your debts.
Do the servicing yourself. Even a trained monkey can do an oil/filter change and change an airfilter and spark plugs. If anything else needs to be done to it then as long as you buy a simple car you should be able to find a friend that has more experience to help you. Remember as well, if you buy a cheap car, and are sensible about your choice, you will find that parts are cheap as well and can be found in a scrappy. The type of cars I suggest are a Mk2 Astra or a Mk3 Escort. Cheap as chips to buy, cheap to service, cheap to insure, cheap to repair.
As for the S13, this is a bit dodgy, but burn the fecker or 'lose' it to somewhere secure where it can be stripped. Have lots of photos of it when it was sparkling and undamaged and keep all the receipts youve got to hand. I'd guess you'd get £2k+ from the insurance. Problem with this one is that it will affect the insurance on your new car.
Or just sell the thing. Have you even tried to put it up for sale in free papers/magazines/autotrader? Or have you just tried to sell it on a BB that is populated by (almost) nothing but people that already have the same car you are trying to sell. Cutting down your chances somewhat by doing that. Plus you will get more money for it selling it on places other than this BB.
I know youd like to sell the car to a caring owner but from what you have said so far I dont think that can even be a consideration anymore.
So, there you go, Steves anti debt plan.:)
Ok. At the risk of being shouted down. Are you sure Nissan finance will give you a loan on a Micra. If you're having trouble getting another loan from Lloyds, HFC et al, why will your credit rating be ok with Nissan. If it is, good for you but have you checked you're actually eligible.
Have to say that Starionman's suggestions on cars are good and though you may not have insurance thrown in, the money you save on the car itself would allow you to take out insurance yourself and pay in installments, surely?
Id agree with steve on this one. A new car is gonna be mor expensive than buying a older car ... always coz ya paying for the status of having a new car.
This is a great site on the subject...
http://bangernomics.tripod.com/index.html
I was amazed how cheap it was to service my golf when going for economy reather then performace. Oil filter £1.90, Oil £7.50 :eek: Timing Belt £7.20 :eek: :eek: peanuts.
Originally posted by JB
Have to say that Starionman's suggestions on cars are good
Cheers - I am to please :D By product of working for car mag I guess...
I hate to say it, but Ford or Vauxhall are the best in terms of cheap servicing etc
Having said that I can't recommend a Skoda Fabia highly enough for the price of £7200 (auto). Plenty of space, reliable, damn good quality and good resale at the moment.
INS Grp 5
(old Micra was a 4)
Loads of ppl are doing free ins offers ince VW Ford Vaux and Peugeot
****
FOR IMMEDIATE RELEASE
VAUXHALL ADDS MORE MODELS TO
FREE FINANCE DEALS AS PRIVATE
BUYERS JOIN CENTENARY PARTY
* Three years' 0% finance for all SXi models
* Special editions with "free" extras worth up to £1000
* Centenary finance plan saves up to £900
* Customer savings cut list price by up to £1400
Vauxhall is extending its centenary celebrations to allow more customers to join the party with major money-saving deals.
Between now and 31 March a raft of offers will tempt private customers to move over to Vauxhall:
There is a three year 0% finance plan on the sporty Corsa, Astra and Vectra SXi models and two years' 0% finance on many others.
Alternatively, new car buyers can save money with an innovative new finance plan in which Vauxhall pays their instalments for the first 100 days when they take out a purchase plan contract with Vauxhall Finance.
There are special edition Corsa and Astra Active models with built-in extras worth £500 for Corsa and £1000 for Astra.
And customer savings of up to £1400 are available across selected models in the Vauxhall range.
THE DETAIL
The three-year 0% finance deals apply to the Corsa SXi, Astra SXi and Vectra SXi, where affordable style and performance are the order of the day.
Two-year 0% finance is available on all other Vectra models, on most Astra Coupe and Astra Convertible models.
The 100 days finance plan means that Vauxhall pays the capital as well as the interest on behalf of buyers for the first 100 days of their purchase plan contract.
The bottom line for customers is a dramatic saving of up to £675 on 1.2 3-door Corsa SXi and up to £900 on the 1.6 3-door Astra SXi. The full list of models attracting the
100-days' payment is Corsa Club, Life, Active and SXi, and the Astra Active and SXi.
And for Corsa Club, Life and SXi, and the Corsa Active special edition, there is an additional bonus of a year's free insurance for 21-80 year olds.
JB, Knowing my luck, they won't. But if I like the car when I drive it, there's only one way to find out, I guess. :)
Steve, most automatic crappers are either Citroen BX diesels, or Granadas :eek: ;)
I'm not trying to be proud, I'm just trying to find a viable and affordable way out of this. Even WITH the Micra, and even if it's only worth £3700 in three years, I've had a solid car to pootle around in, with minimal costs (for a brand fricken' new car?) and my other loans will have run their terms.
Besides, You haven't seen the spec list and photgraphs I'm doctoring for JAE, it involves throwing a sweater over the auto transmission, having a few nismo stickers on the door panels, and mahoosive spec list sitting on the dash ;)
K12 450ps! :D
:p
You did NOT just suggest a Corsa, Neil... ;)
D, increasing your outgoings on a new car seems like the least sensible thing you could do :(
Sit down and do the maths, work out how much you will be spending, over what period and what you will be left with in the end. If you then still go out and get a new car, IMO it will be because you want a new car more than you want to clear you debts.
Steve's advice is sound, buy a car for a couple of hundred notes once the S13 is gone (by what ever means ;) ). For this price you could take a manual test if needs be and still have money left over!
There is a good reason everyone is telling you the same thing mate :rolleyes: it's because everyone wants to see you out of the hole you're in and back on your feet asap :) and buying a new Micra just ain't the way to do this :(
Best of luck what ever you decide :)
SteveCarter200
11-02-2003, 13:35
Originally posted by D
JB, Knowing my luck, they won't. But if I like the car when I drive it, there's only one way to find out, I guess. :)
Steve, most automatic crappers are either Citroen BX diesels, or Granadas :eek: ;)
I'm not trying to be proud, I'm just trying to find a viable and affordable way out of this. Even WITH the Micra, and even if it's only worth £3700 in three years, I've had a solid car to pootle around in, with minimal costs (for a brand fricken' new car?) and my other loans will have run their terms.
Besides, You haven't seen the spec list and photgraphs I'm doctoring for JAE, it involves throwing a sweater over the auto transmission, having a few nismo stickers on the door panels, and mahoosive spec list sitting on the dash ;)
K12 450ps! :D
:p
Danny, so what if they are BXs or Granadas. They fit the criteria. They are cheap, autos, cost feck all to buy, fix or insure. In fact Granadas are not bad cars really, nice and comfy, loads of gadgets and RWD. How about an old Sierra or Cortina or Rover 820 or Vauxhall Carlton or Cavalier. You are still thinking 'new car!'. Dont be a fool, there are loads of old crapper autos out there if you can be arsed to find them.
So you go and buy this micra, you end up spending £3K (over the loan period) more than buying an old sh1tter plus you still end up owing £3700 at the end of it with the hope that selling the car at the end will cover it. What if it doesnt? Youre fooked again. Wheres the sense in that?
D - cheapo seconds hand is the way to go mate. :) I drove around in a cheapo car worth £500 quid for three years - hardly anything went wrong.
I'm not even g'na check out how much insurance on a Granada'd be :)
I appreciate all that's being said, and I am constantly thinking this over. So thanks for all the input, but we'll see :)
dave_s13
11-02-2003, 13:45
FFS do as your bloody well told!!!!
Originally posted by dave_s13
FFS do as your bloody well told!!!!
:eek: :o :( :( :( ;)
Coming JAE2003...
http://www.poppicock.com/micra.jpg
:eek: ;)
What about this then?
http://atsearch.autotrader.co.uk/WWW/CARS_popup.asp?modelexact=1&make=&min_pr=&postcode=ol2+5na&source=0&model=&max_pr=500&sort=3&variant=&mileage=&miles=20&photo=1&keywords=auto&agerange=&max_records=50&start=5&distance=17&adcategory=CARS&channel=CARS&id=200305072349474
Looks very nice, if only I had £450 in my pocket, eh? Wonder if they do finance.. ;)
Originally posted by D
Looks very nice, if only I had £450 in my pocket, eh? Wonder if they do finance.. ;)
What happened to the 3 people that were interested in your S13 last week?
Sell the S13
Buy Yak's Honda (or summink similar)
:)
Originally posted by D
Coming JAE2003...
http://www.poppicock.com/micra.jpg
:eek: ;)
I wouldn't buy that car mate. Looks like an elephants had a sh!t on the bonnet ;)
OK put up with pubic transport for a month then buy a banger.. still better than paying out the nose for a brand new naff car.
Gah how many people replyed while I was typing! :eek:
Anyway that aint my honda but its on of a few cheap autos for sale around Oldham.
Supraman1
11-02-2003, 15:08
£50 old banger + £120 first installment of isurance = cost of first Micra finance payment. That's assuming that your insurance will be £1200 a year plus 20% interest.
All well and good Supraman, but for £57 a month extra, I could have a brand new, all expenses (bar fuel.) paid for car, rather than some rusting, death-trap..
Still thinking lots, but I'm afraid things are adding up, and tilting towards the Micra.
Will you still let me park on the SXOC stand at Billing? ;)
Originally posted by D
All well and good Supraman, but for £57 a month extra, I could have a brand new, all expenses (bar fuel.) paid for car, rather than some rusting, death-trap
But you won't be left still owing £3700 at the end of 3 years!!
Originally posted by JB
But you won't be left still owing £3700 at the end of 3 years!!
Instead of being £3700 in debt you'll have 3x12 lots of £57 = £2052 sat in a bank account.
Even if the car costs half that to run you'd still be out on top :)
Supraman1
11-02-2003, 15:29
And it's entirely possible your insurance will be cheaper than that!
You're not thinking "what is the cheapest possible way to get myself mobile", you're thinking "well, that IS cheap, but if I just spent a little more I could have something a LOT better, and if I spend a bit more than that, I could get something even better still!".
This is the exact same attitude that gets you into trouble when fixing/modding old cars! :) I know this because I got myself in deep this summer when upgrading mine, I've *almost* worked my way out of trouble now but it's been bloody hard!
Originally posted by D
You did NOT just suggest a Corsa, Neil... ;)
Nope, just illustrating what is out there.
However, on a practical point of view, they are cheap in every respect and aren't THAT bad (when you consider what is out there)...
I wouldn't own one tho... ;)
It seems to me that you are determined to get this Micra and I suppose I can understand that. I once did something similar but it didnt solve anything apart from I felt good in a new car! Was still in debt (more so) and ended up losing on the deal. I agree with Steve and some others - sell 200 for say £1000. Buy a banger for £100, run it till it drops (or do minor service/repair, scrap it and buy another. Ok so they wont bee 200's but then again neither is the Micra!
In the end its up to you - I dont think you will let anyone talk you out of making this decision and thats a fine thing, I just hope you are happy with the outcome of whatever it is you do decide on.
Cheers mate.
Geoff
Filmidget
11-02-2003, 23:19
Crappers are the way to go!
Last 5 cars between me and Mrs...
1986 Metro 1.0 cost 50 quid, less than 200 quid for brake components/tyres/exhaust , plus usual cheap servicing items - lasted 18 months then sold for 300 (lasted the next owner 3 years and 30 odd thousand miles with a little more work!). Admittedly sheer embarassment to drive though.
1984 Mini 1.0 (hers) cost 250 quid I think, and sold 1 year later for about the same, having spent nothing but servicing and a brake valve for 50 quid. A great laugh of a car.
1989 Nissan Sunny Coupe cost £25!!! OK needed £220 on engine and gearbox, and since needed 4 dampers, 1 exhaust, and one antiroll bar drop link, plus tyres BUT still have it *4 years and 55k miles* later!
1986 VW Scirocco - feeling flush so £500 - not best of buys as has cost a couple of hundred in the past year, but now sorted for at least another year and 10k+ miles I hope. Would still be worth £300 if sold.
1992 BX turbo diesel cost £500 (the Mrs has always wanted one) - 4.5 months has cost a service and 50 quid on brakes. Entertaining crap to drive. Still worth 400 quid easy.
The prices/timings are approx. but the last 6 years motoring have cost less than your theoretical Micra's first years depreciation?
I even mentioned your 200 to future F-in-L and he seemed interested. If he is still interested, and the claim pending on the Scirocco is settled soon, you could even have my Nissan for free if he buys it (if you wanted).
Sod it - you seem a nice guy - if the 'rocco gets sorted soon (couple of weeks I hope) you can have the thing anyway, gratis. It's a bit crap but will last a year with care.
Cheers, Phil
Here you go D:
Corolla (http://atsearch.autotrader.co.uk/WWW/CARS_popup.asp?modelexact=1&make=&min_pr=&postcode=ol2+5na&source=0&model=&max_pr=500&sort=3&variant=&mileage=&miles=20&photo=1&keywords=auto&agerange=&max_records=50&start=5&distance=17&adcategory=CARS&channel=CARS&id=200248062688187)
Ran one of these for 18 months (mine was a 1600 4dr liftback, but they're are hard to find due to being turned into minicabs).
Cost me £800 to insure, 18 with 1yr NCB, gave 40mpg+ despite being constantly ragged, was *utterly* reliable, didn't leak a drop of *anything*, had a good few gadgets, was roomy and comfy, and no-one will want to nick it. Sold it for only a few hundred quid less than I'd bought it for, and put something like 10,000 miles on it in that time. Being a Toyota it'll still be running at the end of the universe, and you'll always be able to sell it to a coffin dodger wanting a runabout.
Don't get the Micra.
Keith's got a good point - and spotted a nice car there
D you made a comment about if only you had X in your pocket - is your 200 really going to cover the whole of the deposit on the Micra? Or are they runing a 0 dep. deal now too?
Not read all of the thread but.
I owned a micra as my first car for 4 years. I did this to build my no claims up on. It was a good car and never gave me ANY trouble, always started first time, economical. The only money I spent on it was for a new exhaust and 2 tires.
However for all those plus points there was a downside.
1) All your mates think your a bender
2) All women think your a bender and you will never pull again.
3) You will think your a bender
4) Buses can out run you.
5) Milk floats can out run you.
6) Pedestrians can outrun you.
7) The suspension bottoms out with 5 lads in it (I found out the hard way).
If I was starting again and I had no money a limited budget and inurance / maintenance and parts had to be cheap.....
If I also want women to think I have a massive willy and stop my mates from rippin the piss. I would opt for the following mode of transport.
Yes its.....
THE LANDROVER DEFENDER !!!!
Women like rugged men and NOW you too can no be part of that scene for very little money.
Diesel engines means cheap fuel.
Bull bars mean you can hit stuff like SAXOS and laff about it as they pancake and you do what ? scratch the paint on your bull bar.
You can knock any bumps out of the bodywork with a hammer and then paint it in hammerite. The bodywork is aluminum and never rusts.
The engines are fairly reliable and when / if they give you trouble parts are cheap the engine simple and remember its designed to be squaddie proof so you can maybe even get away with just shoving grass and twigs into the engine bay give it a kick and it will work again.
Insurance is deeeead cheap. No one wants to steal landrovers and they don't generally go very fast (bar the V8's).
You can mount a machine gun and a rocket launcher on them !
Anyway here check out this
http://www.landrovercentre.com/stock/image/C289FWK_01.jpg
LOOK IT JUST SCREAMS - "RAHHHHHHHHH PHEAR MY MANHOOD"
Full details -
http://www.landrovercentre.com/stock/X_MOD.htm
And you can get them MUCH cheaper than in that list.
Originally posted by Lenagh
Not read all of the thread but.
I owned a micra as my first car for 4 years. I did this to build my no claims up on. It was a good car and never gave me ANY trouble, always started first time, economical. The only money I spent on it was for a new exhaust and 2 tires.
However for all those plus points there was a downside.
1) All your mates think your a bender
2) All women think your a bender and you will never pull again.
3) You will think your a bender
4) Buses can out run you.
5) Milk floats can out run you.
6) Pedestrians can outrun you.
7) The suspension bottoms out with 5 lads in it (I found out the hard way).
If I was starting again and I had no money a limited budget and inurance / maintenance and parts had to be cheap.....
If I also want women to think I have a massive willy and stop my mates from rippin the piss. I would opt for the following mode of transport.
Yes its.....
THE LANDROVER DEFENDER !!!!
Women like rugged men and NOW you too can no be part of that scene for very little money.
Diesel engines means cheap fuel.
Bull bars mean you can hit stuff like SAXOS and laff about it as they pancake and you do what ? scratch the paint on your bull bar.
You can knock any bumps out of the bodywork with a hammer and then paint it in hammerite. The bodywork is aluminum and never rusts.
The engines are fairly reliable and when / if they give you trouble parts are cheap the engine simple and remember its designed to be squaddie proof so you can maybe even get away with just shoving grass and twigs into the engine bay give it a kick and it will work again.
Insurance is deeeead cheap. No one wants to steal landrovers and they don't generally go very fast (bar the V8's).
You can mount a machine gun and a rocket launcher on them !
Anyway here check out this
http://www.landrovercentre.com/stock/image/C289FWK_01.jpg
LOOK IT JUST SCREAMS - "RAHHHHHHHHH PHEAR MY MANHOOD"
Full details -
http://www.landrovercentre.com/stock/X_MOD.htm
And you can get them MUCH cheaper than in that list.
Are eleccy windows as standard?
Originally posted by Lenagh
2) All women think your a bender and you will never pull again.
The only time I've ever known proper female interest whilst in a car was in... yup, a Burgandy Nissan Micra :D Driving back in a mate's car from Alton Towers, some quite fit birds started exchanging... positive signals... and ended up flashing us, then invited us around to their place (via SMS :) ) for some drinks and whatever! :D
Never got that in a 200sx. :(
D: BOTTOM LINE - ask yourself are you really serious about paying off your debts, or are you just fooling yourself, to make yourself feel better? If you are serious, it's been shown in so many different ways that an old car is cheaper than a new one, overall. Sure, the first few months may seem cheaper, but you're talking about a 3 year plan to pay off debts that obviously worry you quite a lot. Over that amount of time, a new car just does not make financial sense.
End of sermon :rolleyes: :)
Leccy windows are for ppl with no manhood :p :D
What does that mean about people with leccy seats? :(
errrrrr :confused: dunno
fat people with warm bums and no manhood ! ?
Those with eleccy mirrors are ugly? :confused:
Originally posted by Lenagh
Anyway here check out this
http://www.landrovercentre.com/stock/image/C289FWK_01.jpg
LOOK IT JUST SCREAMS "LET'S OFF ROAD"
:p
So you're saying I'm fat, ugly and have a small willy?
Sounds pretty accurate :(:D
Bet you could put a nice V8 in one of those...
Quick update, went to Stockport Nissan yesterday, and the car they'd told me would be available to test drive, hadn't come back yet :rolleyes:
Waiting on a call for me to go and test drive, but it's looking likely I will go down this route. I'm leaning towards just.. not being so retentive about clearing debts, and just live the best life I can.
We shall see. :)
After reading this whole thread, which has taken me about 20mins of company time:rolleyes: i thought id have to make a contribution to it.
But to be honest i think its all been said:)
Keep us informed D, good luck mate
Jas
Filmidget
13-02-2003, 12:54
You sure D? I have just offered you a free disposable runabout to start you off... :)
Cheers, Phil
Originally posted by Filmidget
You sure D? I have just offered you a free disposable runabout to start you off... :)
Cheers, Phil
At least take Phil up on his offer - in 6 months there will be quite a number of 2nd hand Micras going for far less money than they are now - usually ex company cars. Think of the money you'd save doing that.........
If you're really serious about reducing your debt you won't look this gift horse in the mouth :)
Originally posted by Filmidget
I even mentioned your 200 to future F-in-L and he seemed interested. If he is still interested, and the claim pending on the Scirocco is settled soon, you could even have my Nissan for free if he buys it (if you wanted).
Sod it - you seem a nice guy - if the 'rocco gets sorted soon (couple of weeks I hope) you can have the thing anyway, gratis. It's a bit crap but will last a year with care.
Cheers, Phil
What Nissan is it?
dave_s13
13-02-2003, 13:34
Close this thread. let him do what the fcuk he wants, he will anyway.
Originally posted by dave_s13
Close this thread. let him do what the fcuk he wants, he will anyway.
LOL
:D
Filmidget
14-02-2003, 10:46
Originally posted by Starionman
What Nissan is it?
Don't laugh...
1989 Nissan Sunny GSX Coupe
1600 12v, in white over grey
(well actually off-white/mud brown/iron oxide over grey)
It's a girls car, a weird looking scrabble wagon, but still cruises at 80+mph all over the country for work. Had it 4 years/50k miles and purchase & running costs for all that time have been about 500 quid!
Bit rattly now, but owes me so little I am not sure if I can be bothered to advertise it and have the hassle of tyre kickers etc.
Take it nobody is interested? :)
Cheers, phil
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