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finch | Is it cheaper/more flexible to buy a car with a loan from a bank or the dealer? |
As in the ultimate amount of interest paid, the flexibility of paying more per month if required, etc?
Additional Details
Thanks for your answers - I realise it's a bit of an ambiguous question! This is for a 3/4 year old car which I hope to keep for a few years so am really looking for the cheapest way to buy it. |
 |
 
banwyl
 |
It all depeneds on your circumstances. If you are buying a car that is new, or sometimes nearly new from a reputable dealer you can sometimes get 0% interest deals or low interest rates i.e 3.9%. They tend to use reputable finance companies. Sometimes they have options schemes where you can pay an amount for three years and then either pay the final amount or trade your car in for a new model. (Depending on the monthly repayment you chose, if you go with the final payment you may have to take another loan out to cover this).
Now if the dealers less reputable, particuarly if your credit rating is not top notch, normally you will end up paying more than what most banks will offer you. You will normally get hit for overpaying with these two options as well.
To sum up, its a hard question to answer without knowing the full details but the rule is.... get the lowest apr you can |
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OriginalBubble
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You will be better off with the Bank as their interest rates are usually lower.
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KREDITOR
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a priest committing usary yeah that's healthy....used car use a credit unionany kind of credit, new car and good credit use a dealer period, new car bad credit use credit unoin or bank ....
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andy
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It is usually better to go into the car lot with a preapproved loan from the bank that way you will already know the terms of agreement. Most times though for a preapproved loan on a used car you have to find the car first than go to the bank for that specific car. |
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domme me
 |
yes
the dealer will offer you 1 option..... that may be a good option, or it may be a bad option (for you)... the only thing you can be sure of, is that its better/easier for the dealer.
you could shop around and find a better choice
you could find that the dealers choice has the best benefits
but, in the long run, its always better to have choices and comparisons before you make any decision
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Cool Hal
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it depends on your circumstances - for me overall it was better to go for car finance as i spread the car over 5 years but surrender to the finance company after 3 and get a new one, but I drive 30,000+ miles a year - it means I pay less than rental and less than a bank loan. For me that works for many others a bank loan means you pay less interest if you intend to keep the car for a while.
It depends on what you want to achieve there is no easy this is the best way solution. |
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Steven B
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A bank/finance company personal loan would probably be more flexible and offer a lower interest rate, but a dealer may be able to offer a 0% deal or similar.
Find out what the dealer is offering and compare with someone like www.moneyextra.com or www.moneysupermarket.com for personal loans, or even buy on a credit card and transfer to a 0% interest credit card transfer, depending on how long you intend on keeping the loan for and your credit rating of course! |
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avalonianmoon
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Honestly .... the cheapest way to pay for a car is in cold, hard, cash. You will waste your money on interest. If you buy a car with cash and then pay yourself what you would have been paying for payments each month, put it into a money market account that earns about 10 to 12% interest and you will be able to trade that car in, in a few years, with money left over. Eventually you will drive free cars for the rest of your life. |
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