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17 Oct 19, 01:26 PM |
#11
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slightly serious Dibber
Join Date: Jul 14
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17 Oct 19, 02:38 PM |
#12
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Very Serious Dibber
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Be careful with the numbers with regards to the guaranteed future value and so on. The new Civics are suffering very heavy depreciation and are not as welcomed in the 2nd hand car market as the older ones as such their used values are dropping like a stone. This may or may not affect your finance / PCP but make sure you're not left with a car at the end of the term that will be worth far less than you have to pay off or use as a deposit for your next car.
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17 Oct 19, 05:08 PM |
#13
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Getting Excited
Join Date: Feb 19
Location: Lincolnshire
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As I understand it ,the GFV is set at the start of the finance offer and if the car is worth less you just hand it back or if it is worth more that is your deposit on a new car so I don't see where you lose. Of course you have to know what the total costs are which is shown on the invoice . This is why some people buy a better model for the same price as a cheaper model as the GFV may be higher so the monthly payments can work out less. As you say though be aware of the numbers and get a few quotes from different garages since the purchase price before PCP can be less and also some companies offer lower inerest rates. You can still haggle prices with a PCP with the garage.
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