Help choosing new car

elainers

Hoping some of the learned folks here can help. I’ve a 13 year old diesel golf that no longer runs. It was a diesel with a lot of pep. I need to get rid of it and also need to get a new car. My ideal budget is ~15k + whatever is allowed for the golf for preferably a new car.

Driving wise, I’m a mix of urban runabout during the week with trips down the country every second weekend or so. I don’t commute to work in Dublin though so more of my driving time is likely to be on the trips down the country on motorway. Annual mileage is around 20-25k.

All recommendations appreciated. I was hoping to get something that would suit my driving with a scrappage deal.

Thanks!

James Bond Junior

elainers wrote: »

Hoping some of the learned folks here can help. I’ve a 13 year old diesel golf that no longer runs. It was a diesel with a lot of pep. I need to get rid of it and also need to get a new car. My ideal budget is ~15k + whatever is allowed for the golf for preferably a new car.

Driving wise, I’m a mix of urban runabout during the week with trips down the country every second weekend or so. I don’t commute to work in Dublin though so more of my driving time is likely to be on the trips down the country on motorway. Annual mileage is around 20-25k.

All recommendations appreciated. I was hoping to get something that would suit my driving with a scrappage deal.

Thanks!

Sounds like you would still be in diesel territory. A 116d auto is a fantastic machine. We have two much loved ones in the family.

https://www.donedeal.ie/cars-for-sale/bmw-1-series-2-0-116d-se-auto/20287716

elainers

James Bond Junior wrote: »

Sounds like you would still be in diesel territory. A 116d auto is a fantastic machine. We have two much loved ones in the family.

https://www.donedeal.ie/cars-for-sale/bmw-1-series-2-0-116d-se-auto/20287716

Thanks - I may well be in diesel territory but I'm shying away from second hand as I reckon I've a better chance of getting rid of the old car by going new.

Can't see much that suits my budget or driving new though but hoping someone here has a solution for me!

bazz26

You need to check the small print of these scrappage schemes. Some of them require the car to be upto 10 years old or have other conditions on them to qualify. These scrappage schemes are really another term for discount by the manufacturer and the car doesn't need to be only fit for the bin to qualify.

bazz26

And just to add, 15k plus scrappage will probably get you a smaller car from the class below your Golf. Are you happy with driving a smaller car?

James Bond Junior

elainers wrote: »

Thanks - I may well be in diesel territory but I'm shying away from second hand as I reckon I've a better chance of getting rid of the old car by going new.

Can't see much that suits my budget or driving new though but hoping someone here has a solution for me!

Would you go PCP and use the golf as the deposit? A new and well specced Seat Leon or Golf should be attainable with your own car as a trade in for about €300 a month or less. I priced a new Leon estate in top spec with a €3k deposit and it was coming in at circa €300.

A Volvo V40 should be in and around the same money with a larger deposit or an ex demo 1 series would be too. Cash flow wise it may be a suitable option.

elainers

bazz26 wrote: »

And just to add, 15k plus scrappage will probably get you a smaller car from the class below your Golf. Are you happy with driving a smaller car?

Fully understand that this will be the case. My car will qualify for scrappage deals as it's a 13 year old diesel with lots of mileage so seems to be no issue there.

My big question is which car and what would be the best deal for my driving. I had been looking at the Hyundai Kona, Kia Stonic, Nissan Juke. Volkswagen seems out of my price range. Budget wise, I get that the likes of an i20 or a Micra would probably suit best but they feel quite small vs. what I'm used to. Hence looking at the baby crossovers.

elainers

James Bond Junior wrote: »

Would you go PCP and use the golf as the deposit? A new and well specced Seat Leon or Golf should be attainable with your own car as a trade in for about €300 a month or less. I priced a new Leon estate in top spec with a €3k deposit and it was coming in at circa €300.

A Volvo V40 should be in and around the same money with a larger deposit or an ex demo 1 series would be too. Cash flow wise it may be a suitable option.

Not keen on PCP. I'd need finance this time but would hope that in three years time I'd hope I could buy with cash. That's not a runner if I end up with no trade in value from a car this time round.

James Bond Junior

elainers wrote: »

Not keen on PCP. I'd need finance this time but would hope that in three years time I'd hope I could buy with cash. That's not a runner if I end up with no trade in value from a car this time round.

Do the figures on keeping it for 5 years. Eg purchase price vs pcp over 3 years and CU loan for remaining two to cover balloon payment. We have done that and it worked well especially if the PCP rate is low. Then again I envisage keeping our PCP mobile for about 10 years.

Gael23

I wouldn’t be so dismissive of PCP. It’s low rate finance on the bulk of the car and then at the end of the 3 years you can pay the balance with cash if you have it.

elainers

Gael23 wrote: »

I wouldn’t be so dismissive of PCP. It’s low rate finance on the bulk of the car and then at the end of the 3 years you can pay the balance with cash if you have it.

I guess I'm not keen on spending much more than my budget. Even with PCP, the budget still goes up. It only improves the cash flow.

AMKC

elainers wrote: »

Not keen on PCP. I'd need finance this time but would hope that in three years time I'd hope I could buy with cash. That's not a runner if I end up with no trade in value from a car this time round.

You should look at cars that have a good resale value the like a VW Polo maybe oe even something secondhand like a 1 series BMW or a Merc as they loss most of there value in the first year so will not lose as much in the next couple of years and might be worth more than something new from a mass market brand would be in a few years time.

elainers wrote: »

I guess I'm not keen on spending much more than my budget. Even with PCP, the budget still goes up. It only improves the cash flow.

Have you looked at a Dacia maybe a Sandero or a Duster. The Duster is the best of them two as they keep there value quite well too.

Turbohymac

Don't get too wound up about scrappage allowance on your old golf or PCB for that matter.. imo anyone trying to avail of scrappage is paying high price for the new car and pcb depending on the small print can mean a very hefty final payment.. a friend was quoted a final payment after 5 years of 9.5k on a big standard diesel focus..
If you have 15k to spend why not get a well specced leon TDI from uk.. shouldn't be too old either 172/181.
And will definitely hold value if you want to sell on in a few years..just look at how much a 1 year old diesel in uk would depreciate before you buy it..compared to buying brand new here.. paying top price for low spec and it will easily depreciate 7k in the first 2 years..
Just make sure to factor in the vrt.

Rusky rusky

AMKC wrote: »

You should look at cars that have a good resale value the like a VW Polo maybe oe even something secondhand like a 1 series BMW or a Merc as they loss most of there value in the first year so will not lose as much in the next couple of years and might be worth more than something new from a mass market brand would be in a few years time.



Have you looked at a Dacia maybe a Sandero or a Duster. The Duster is the best of them two as they keep there value quite well too.

New 80hp diesel polo costs a whopping 2.7k more than a 80hp 1.0 petrol polo. It’s 15% extra. Ok, 1.0 MPI is naturally aspirated but still €17895 vs 20595!

James Bond Junior

Turbohymac wrote: »

Don't get too wound up about scrappage allowance on your old golf or PCB for that matter.. imo anyone trying to avail of scrappage is paying high price for the new car and pcb depending on the small print can mean a very hefty final payment.. a friend was quoted a final payment after 5 years of 9.5k on a big standard diesel focus..
If you have 15k to spend why not get a well specced leon TDI from uk.. shouldn't be too old either 172/181.
And will definitely hold value if you want to sell on in a few years..just look at how much a 1 year old diesel in uk would depreciate before you buy it..compared to buying brand new here.. paying top price for low spec and it will easily depreciate 7k in the first 2 years..
Just make sure to factor in the vrt.

Nevermind the rubbish absolute spouted above, for one the final payment is outlined to you from the beginning and PCP's don't run for more than 3 years. A surprise balloon payment can't happen. Our balloon payment was about 66% of the selling price of an equivalent one on the forecourt. I know you pay no matter what but from a cashflow point of view, buying a car on PCP and keeping it after 3 years isn't the worst idea. a 6 year old car could be still in theory be with a third of the rrp when new. Also a UK car won't depreciate slower than an Irish car, brand new or used. And lastly a well specced 17/18 Leon will set you back £15k to begin with or thereabouts. Where did you get such misinformation?

Turbohymac

Hi James bond junior.. just had a look theres a 1.6 tdi st.leon on seat uk first reg july18.. only 1900 miles 13500k sterling.. so with vrt and currency difference possibly 18keuros on the road here.. before presenting for vrt inspection hed have to throw up another 2k miles but definitely worth a look..
Beats what hed pay for pcb anyday
And would be a fine frugal motor.. ideal for motorway.. theres definitely cheaper almost new 182 s in uk with more basic spec just needs to check over a few weeks.. the st model might not be his desire

James Bond Junior

Turbohymac wrote: »

Hi James bond junior.. just had a look theres a 1.6 tdi st.leon on seat uk first reg july18.. only 1900 miles 13500k sterling.. so with vrt and currency difference possibly 18keuros on the road here.. before presenting for vrt inspection hed have to throw up another 2k miles but definitely worth a look..
Beats what hed pay for pcb anyday
And would be a fine frugal motor.. ideal for motorway.. theres definitely cheaper almost new 182 s in uk with more basic spec just needs to check over a few weeks.. the st model might not be his desire

He is a she. I didn't check the VRT but 18k is 20% more than 15k. I don't disagree it would be a nice car but even 18k is a push.

Turbohymac

Wow..sorry I'm only going on what a work colleagues daughter was quoted by a ford garage..and as for a similar aged. second hand vehicle from uk depreciating as much over say 3 years as an irish model..well that's laughable..cos I always import a nice high specced 6 month old car and I have only sold it a few months ago for 3 k more than any dealer would give me here and as it was much cheaper than a similar aged Irish car back when I purchased it and then when selling it had top spec.. ABSOLUTELY YES my ex uk sold for more than its Irish equivalent..
And I had another 7 month old car purchased prior to selling on my car..
Just let's agree to disagree..I'm not losing any sleep but the people buying new here in Ireland probably are..or at least when they're finished paying off their pcb.. uk certainly wins hands down for me.. have a look out of curiosity at the seat uk used car site.. a no brainer
Best of luck to the op for whatever he decides to buy/ or pcb lease

AMKC

Rusky rusky wrote: »

New 80hp diesel polo costs a whopping 2.7k more than a 80hp 1.0 petrol polo. It’s 15% extra. Ok, 1.0 MPI is naturally aspirated but still €17895 vs 20595!

That much for a Polo. Jeez ' that's terrible and ye that is a bit alright. Still if they offer them some people must buy them.

Turbohymac

Well 18 would be tops for that car..
Just had a look on vrt website unfortunately no st model mentioned that I could find but vrt on a 1.6tdi se model with 6000km. Which is the minimum mileage otherwise its classed as a new vehicle.. vrt comes in 3200. And the 13500 sterling should be under 15k euro.. and travel /ferry charges. But I doubt that the same value could be obtained from doing a pcb on an identical 191 model here..that's if it's even available in similar spec..or better still would any irish seat dealer give you a 6 month old demo similar to the uk car for 18k on the road..
Out of curiosity I'll ask my friend that works in a seat dealership in cork for actual figures tomorrow for new leon
And I'll update accordingly

Turbohymac

Ok as I thought the irish dealer doesn't stock an st.. or fr model ..but only the mid spec se model.. and new price is 26800 with scrappage allowance allowance of 5k ..he clearly explained as I'd guessed that there not at all concerned about type of car etc for scrappage and even if I didn't have a trade in I'd still get most of all of the discount..so today new se diesel leon 21800. Again before junior bond comments.. that's another 4k onto the 18 k for the better specced uk car BUT most of all it clearly highlights the fact that scrappage of an old car against a new car is a very false economy and clearly used by dealers to lure in motorists and actually make them think that they are getting a huge discount of up to 5k for their worthless old car..
I know now that if I were to buy that new leon from a main dealership near me . I'd be selling her existing old golf for any colour of money she can get privately and then buy new leon without scrappage scam..
But for me it would certainly be a uk model and sell golf even to cover ferry cost..
I won't mention dealership name etc and the op should drive a few different new cars to see what suits best. But looking at older 141 Leon's they hold value ok..and make around 9k..but it certainly shows that scrappage is a scam.. if the op wants to check out further on the new car she can PM me.
Its 21800 out the door.
Regards to all

James Bond Junior

Used car is cheaper than new car. Shocking.

Turbohymac

Ah well it takes all types..

Leroy42

Are you saying that you would get the scrappage discount regardless or is it that you are better off buying second hand and simply scrapping the old car for peanuts?

Of course this requires you to buy a new car and the depreciation that comes with that, but the 5k kinda of takes the pain of it somewhat

Lantus

Based on your post I assume your single? No family requirements.

For 15k you can good 2nd hand car diesel which should suit you well. What's your monthly affordability? You say the golf won't run? Completely broken then? Might qualify as scrappage on a new car but be very honest with dealer as many may not touch. Generally needs tax and nct.

If your going new pcp seems obvious choice unless your willing to extend finance.

New polo is good. Leon is great and dacia are simple but well made and reliable. You can get a stepaway new and paid off in 3 years. I know 4 people with them commuting 100km a day and still running smooth after 3 years.

Id avoid juke. Very quirky car and not great value for money.

U_Fig

At the end of the day a new car for 15k is going to be a push unless you go very basic. Basic is not always bad for the right person it can be ok but for me personally I'd like the bells and whistles so would be off putting. You would be better going maybe 3 years old so a car that was traded in after a pcp. That massively opens up your options.

If you go used then be sure to do research and checks before buying.