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Hi guys

I have spoke to my Audi dealer today and they have said my car is in the depot still under cover which is good news. But because I am away on business just now I can't take delivery until my return in July/August.

I was wondering who did some off you use for your finance and what prices should I expect to pay a month. My rs3 is coming in at £45k.

Any help would be good!

Cheers

depends what you are after, cheap monthly's or low cost of interest

the cheapest way to finance it would be to stick it on the house for 5 years, only 3% interest rate but a tonne of hassle

i avoided a pcp bubble as i want to keep the RS3 beyond 3 years (doubt there will be another one like it soon)

audi wanted 11% arp!! for a direct 5 year finance

in the end i found that getting 2 seperate loans of upto 15k each got the rate down to around 6.8% apr

going from 11% to 6.8% on 30k over 5 years saves 4 grand !

£40k car - £8k deposit, £455.55 x 47 mths. Balloon £16555 APR 6.5%.

I could only get Audi down to 8% so a personal
loan come in cheaper.

As said above home owner loan will be the lowest APR but stuck to paying it off over 5 years

Cheers guys Audi were giving me a price of £720pcm with £2000 deposit over 4 years pcp I think. Which wasn't too bad. Not putting a large deposit down as we are moving house end of July.

Had an offset mortgage and the facility was already there. Took seconds and because my mortgage is so low the interest is only costing me £40 per month.

Steve

I was not going to take out a loan for my car as money was in bank earning naff all interest and I made that very clear to the sales guy.

However the Audi business manager was very keen to get me to take out finance and eventually came back with 6.1% APR plus 2 years free servicing.

So put down 50% as deposit got the rest on finance and the free servicing near enough covers the cost of the interest charged.

Always remember they want to loan you money it's a big part of their business, they are not doing you some sort of favour, so haggle hard.