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do I need a deposit to buy a car

  • 12-06-2010 1:34am
    #1
    timetogetfit
    Closed Accounts Posts: 1,177 ✭✭✭


    I need a car but I don't have any savings and getting a loan is out of a question but i'm in a good paying permanent job and can afford monthly payments?


Comments

  • #2
    Mr Benevolent
    Closed Accounts Posts: 12,456 ✭✭✭✭Mr Benevolent


    timetogetfit wrote: »
    I need a car but I don't have any savings and getting a loan is out of a question but i'm in a good paying permanent job and can afford monthly payments?

    If you can't get a loan then you won't be able to get finance. Why not just save up a bit and get a cheaper car? The neighbours won't hound you out of the estate, I promise ;)


  • #3
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    yes you do need a deposit.

    As above, why not take a look at cheaper models would be my advice. Have a read through the bangernomics thread!


  • #4
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,247 ✭✭✭✭Guy:Incognito


    timetogetfit wrote: »
    I need a car but I don't have any savings and getting a loan is out of a question but i'm in a good paying permanent job and can afford monthly payments?

    "Monthly payments" is a loan. If your getting it done through a garage they are just using a bank or finance company. It's the same as you going direct to the bank.


  • #5
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    Confusing! getting a loan is "out of the question" but you can do monthly payments? So who do you expect to pay the monthly payments to?


  • #6
    L-M
    Registered Users, Registered Users 2 Posts: 23,694 ✭✭✭✭L-M


    If it's small money try the credit union, but you will need savings and they'll be held against the loan.


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