Help! I need to buy a car

[surlycurly]

Hello all, I could do with some help. I currently lease a car and it's due to go back in June. I don't have any real cash to put down on another car but I could get a bank loan and buy a second hand one. Or I could buy one on finance. The problem is that I don't know where to start or what is the best option re leasing/ buying. Or buying second hand. Money is tight but I could afford about £250 a month (need a 5 door hatchback with a decent boot for my work). Any advice please...? TIA

If money is tight then you won’t be able to afford repairs.

What about leasing?

www.hotukdeals.com/deals/lease-seat-leon-hatchback-15-tsi-evo-se-dynamic-ez-5dr-at-what-car-leasing-14051pm-x-23-months-84306-fee-total-cost-4063-3218887

www.hotukdeals.com/deals/vauxhall-astra-16t-16v-200-elite-nav-5dr-lease-deal-17259-a-month-8k-2-years-at-what-car-leasing-3217070

Find a lease deal that has no upfront payment or get a bank loan with low interest to buy a car. You need to work out exactly what you can afford, research insurance group and maintanence cost and factor that in to monthly costs. Remember an older premium car may be nicer than a newer less premium brand but it will cost you more in maintenance. If you go lease then check who's paying for services and repairs etc as you can get nice cars on reasonable leases but the maintenance might sting!

I used a 0% on purchases for 30 months credit card to buy mine from a car supermarket. I had some savings so paid part cash, over half on the credit card. I can’t see why you couldn’t put the whole expense on though?

Thanks all. I did wonder about a card rather than a loan as I have a 0% offer from one of mine just now. I also got stung on the leasing last time as I had to pay for tyres and servicing!

Any more suggestions?

Bump