Which car finance route to go, please?
Hello,
I would like to buy a car I'm used to second hand cars as I have a very limited budget. I'm still confused about the PCP option, scrappage trade ins and hire purchase. My normal route is to get a loan from my credit union, but the older my car is the more I end up paying for repairs. Could you help me in finding my best option because I'm a bit lost with it all?
Thank you
Anita
Anita O' Brien (Cork)Aug 2018 Filed under: finance
Expert answer
Hi Anita,
A Credit Union loan is still, to be honest, a very good idea. As long as you’re getting a decent interest rate and the repayments are comfortable, it allows you to go into the dealership, cash in hand, and argue a better deal for yourself. You will need to do your research ahead of time to make sure that you’ll be able to get the specification you want. PCP is a good option for keeping monthly repayments lower, as it defers part of the repayment to a ‘bubble’ payment, theoretically covered by the value left in the car, at the end of the deal. PCP is really only good for you, though, if you want to go back in every 2-3 years to change your car for a new one. If you’re intending on keeping the car for longer, then Hire Purchase or the good old Credit Union makes more sense.
Best version of Skoda Octavia for €9,000?
What is the best used year and model of Skoda Octavia to buy? Is it better to buy from North for value or are northern roads worse and more salt used? Budget is €9,000.
Thank you
Shane C (Clon)Jul 2018 Filed under: choosing used car
Expert answer
Hi Shane,
Which family car for €25-30k? An A6 Avant?
My budget is €25-30k for a family car (we have three kids). Considering a 2014-15 Audi A6 Avant. I keep cars for a long time, planning at least 5-8 years. Current mileage is very low (10,000km a year). What other cars would you consider - based on my desire for an A6? Is paying over the odds for a diesel sheer lunacy based on my mileage, and considering that diesels MAY be worthless by the time I go to trade in?
Andy FitzPat (Clon)Jul 2018 Filed under: family car
Expert answer
Hi Andy,
While I don’t think a diesel car is going to be worthless by the time you trade it in, it might well be worth less, if you see the distinction. That said, with your mileage, I’d say you should be looking at petrol or hybrid all the way. A 2.0 TFSI A6 Avant sounds ideal if you can find one and assuming that you’re already happy that all three kids can fit safely and comfortably in the back. A BMW 520i Touring would be the most obvious alternative (and a darned fine one at that) and a Mercedes-Benz E-Class Estate even better again (assuming you can find one with a petrol engine) and you can find them with seven seats. Volvo’s old-shape V70 is also worth a look, not least from the safety point of view. That said, make absolutely sure you check out a current-shape Skoda Superb Combi estate too — they’re actually roomier inside than any of the premium-badge stuff, and very comfortable too.
Should we get a second EV for towing?
Hi, a question about a second car. What would be a good choice for a second car for travelling to work that does small mileage (10-20 miles) daily? Our main car is a Nissan Leaf, which we use for the majority of our driving. A car that can tow a small trailer would be ideal, something with low tax and running costs. Budget is about 6-7 thousand euro, with the intention of trading in the car in a few years time for a newer model. Have thought of buying another electric car, but not sure about having two electric cars in household until longer range cars are available or charging network improves.
Thank you for your help.
Barry
Barry Slye (Cork)Jun 2018 Filed under: electric cars
Expert answer
Hi Barry,
The problem with electric cars is that, generally, they’re not rated for towing (I think that the new Nissan Leaf is one of the first with a towing rating), so you’re probably going to have to switch back to petrol or diesel for this one. Probably your best bet is to go for something very conventional, such as VW Golf or Ford Focus, and maybe go for the estate version of one of those to give yourself a little extra versatility. A Toyota Auris Hybird would also work well, and would at least keep you going on half-electric power. Plenty of them around in your price range.
I have a €3,500 budget for an economical car...
I have a budget of €3,000-€3,500 and want to buy a used car. What is a decent mileage I could expect for a diesel car registered on 2008 and after? Which brands are good and reliable?
Thanks
Vis Heg (Galway)Jun 2018 Filed under: choosing used car
Expert answer
Hi Vis,
There’s plenty of choice at that price level for a 2008-onward diesel, but the mileage you’ll get will vary hugely according to how you drive. For instance, you could get a 1.6 HDi diesel Citroen C5 saloon within your budget, and that’s capable of doing 60mpg or better, but again that comes down to how you actually drive it. In terms of reliability, you’ll never beat a Japanese brand for that, so go for a Honda Civic 2.2 CDTi, a Mazda3 1.6 D, or a Toyota Auris or Corolla 1.4 D-4D.
Can I soften my AMG CLA 45's suspension?
Hi folks,
I have a Mercedes CLA 45 AMG; can the option of putting in a softer suspension be fitted to the car?
James Delea (Cork)Apr 2018 Filed under: comfort
Expert answer
Hi James.
Your best bet here is to look at some high-quality aftermarket suspension parts for your car, such as from Eibach or Bilstein. Fitting Mercedes Comfort suspension to a CLA 45 through the main dealer network is going to be prohibitively expensive, and maybe even impossible.
Our recommendation, which is easy enough to find from online sellers (some might be in the UK, but shipping to Ireland should be no problem), is the Bilstein B16 (PSS10) suspension kit (part number Bilstein 48-230971), a kit that lowers the car by 30mm, but which also has ten-way adjustable dampers, with the softest setting said to provide the maximum ride comfort. Having tried Bilstein’s aftermarket dampers before, we will happily say that the company is an exemplar of its trade and the PSS10 kit should, hopefully, make the ride on your Mercedes-AMG just a little more tolerable.
Budget a few thousand Euro for the kit itself, then the cost of fitting at a decent specialist garage.
Let us know how you get on
Best plug-in hybrid on the market?
I have a budget of €30-35k; what is the best plug in hybrid car available in the market now?
Lee Russell (Dublin)Mar 2018 Filed under: hybrid
Expert answer
Hi Lee,
It depends on what you want. I reckon that the best new plugin hybrid on the market right now might be the Kia Niro Plugin, which has very good electric only range, and yet manages to do over 60mpg on long motorway runs. An excellent car. The new Prius Plugin is also very good, but only recently launched so will be beyond your budget unless you buy nearly-new.
If you fancy something a bit classier, the BMW 330e is a really good choice, but bear in mind it’s not as economical as the Kia or Toyota on longer journeys. Here are our reviews for you to read:
Toyota Prius Plug-in Hybrid review
Kia Niro review (not the plug-in model, apologies)
Which car is best for motorway driving?
Hi,
I am currently driving a 2005 Toyota Yaris 1.0-litre. Now I am planning to upgrade to a bigger car since I will be driving regularly on the motorway. My budget is around €3,500. What cars can you suggest that are comfortable to drive for longer distances? I have Suzuki SX4, Mazda3 and Skoda Octavia in mind.
Thanks in advance
Hago
Hariprasad Govindharajan (Shannon)Feb 2018 Filed under: choosing new car
Expert answer
Hi Hago,
Of the three you’ve mentioned, we’d discount the SX4 first. It’s a decent car, but a bit tiny and noisy for long motorway hauls. A Mazda3 would be much better, and hugely reliable, but the Skoda will have a slight edge in terms of comfort (really good seats) so go for one of those would be our advice. Here are our reviews to help you decide:
I need a tiny car with a huge boot...
Hi guys, do you have any quick tips on a small enough hatch with a big boot? I need to use split seats to lock a road bike into the car. For security it needs to be in the car for a while. I can just about do it in a Hyundai i10, but it’s a real squeeze. I fold down the bigger seat split, push the passenger seat forward and in it goes but it’s very tricky. Hoping to do the same with something slightly bigger and easier! Tiny hatch with a shiny modern cockpit and a cavern for a boot anyone?
Cheers!
Richie
Richie Daly (Waterford)Jan 2018 Filed under: choosing new car
Expert answer
Hi Richie,
Not often we get a question with such a straightforward answer, but in this case it’s easy: get a Skoda Fabia Combi. It has a massive 530-litre boot (expanding to 1,395 litres when you fold the seats), but is still pretty compact on the outside. Plus the cabin is classy and comfy and it’s perfectly nice to drive. Your budget won’t quite stretch to a new one, but a year-to-18-month one should be well inside your reach.
Which SUV to replace my Audi with?
Hi, I have a 2013 Audi 2.0 TDI S line Black Edition quattro with only 21k miles on the clock. I only purchased as an import last summer and love it. It’s my first premium car and enjoy the feeling that brings.
However, recently, I am wondering whether it’s right for me. I’m 6’4” in height and find getting in and out of it's low height a bit of chore. I also use it as main family car for two tall toddlers (three and two) for crèche runs etc. So space is quite tight. I’ve been considering replacing it with an SUV for the ride height, space, practicality and better fuel economy. Must be good to drive also. I would love to stay premium, but probably wouldn’t afford it in that category. Was looking at the Mazda CX-5 as a compromise or alternatively the new Peugeot 3008, Kia Sportage, Renault Kadjar or Nissan Qashqai. Annual mileage is roughly 10k km and budget is what I’d get for the Audi.
Any advice would be much appreciated.
Seamus Hadrill (Dublin)Dec 2017 Filed under: choosing new car
Expert answer
Hi Seamus,
You haven’t actually specified a model here, so I’m going to guess that it’s an A4. To be honest, you’re not going to get an awful lot more interior space by changing for something the size of a Qashqai, 3008, or Kadjar. A little, but not a huge amount extra in real terms — most of the extra space in those cars is in the boot. If you’re determined, then go for either the Kadjar (it has the biggest boot) or see if you can stretch the budget to the new-shape VW Tiguan. Here are reviews of the cars you've mentioned, too: