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Teenagers

Parenting teenagers has its ups and downs. Get advice from Mumsnetters here.

20yr old wants an interest free loan for a car ?

38 replies

cluedo3 · 25/07/2020 22:27

My 20 yr old is a student and has asked for an interest free loan for a car that he will pay back next yr when he gets a job. Opinions?

OP posts:
Lazypuppy · 26/07/2020 08:51

Sorry but at 20years old, why has he not saved up some of the money, surely he has been working and earning?

Definitely do not buy him a car

AlternativePerspective · 26/07/2020 08:58

There are so many factors here.

How much does he want to borrow?

How reliable is he with money?

Can he afford the tax/insurance etc? Insurance for a young driver is extortionate. My DS recently got his provisional licence, started looking at costs and has decided not to bother.

My parents would have loaned me the money because I am very sensible with money and they know they’d get it back.

My DS though, not a chance.

TimeWastingButFun · 26/07/2020 09:06

We bought cars for the older two, and will do for the younger two when they're 18, it's nice to do it if you can afford it (unless you've already done this and it's an upgrade? In which case loan rather than gift).

fishonabicycle · 26/07/2020 10:27

It depends on your circumstances really. We bought my son a cheap car and insured it for him for his 17th. He really appreciated it and uses it all the time for his job now until he goes to university this September. However - you need to take into account his insurance, tax, mot, petrol etc - can he (or you) afford any of that?

Jeremyironsnothing · 26/07/2020 10:31

It depends on their work ethic.

We helped out by but only on condition they contributed some of their own money themselves. They'd both had part time jobs from 16.

Same for a house. My mantra will be - "if you help yourself, we will help you"

They won't be getting a free ride. literally and figuratively

BernadetteRostankowskiWolowitz · 26/07/2020 10:34

Why is he waiting til next year to get a job?

Wowthisisreal · 26/07/2020 16:24

Both sets of my DH and my parents have done this for us. Both times we were happy to get the car on payment plan with the garage etc but both times a parent (without us requesting it) have offered to pay for it instead and we pay them monthly instead of to an unknown company.

My parents still charged interest - we just had to pay what the money would have accrued if it was in their high interest savings account (but it worked out a lot cheaper than the finance option). DPIL lent the money to us interest free. We made the payments over the same length of term the finance would have been and we've paid both off. I think DH parents might even offer to do it again as we need to upgrade our car

TigerQuoll · 30/07/2020 00:31

Why does he even need a car if he isn't working?

sddjdhsu · 30/07/2020 09:34

If you do end up giving him a loan, put things in writing, print two copies, each sign both and hand him a copy. It may sound a bit formal, but when he stops paying and you both end up on Judge Rinder, it will be helpful.

UntamedWisteria · 31/07/2020 15:59

I'd have no problem with this but I suspect the OP isn't coming back.

AndNoneForGretchenWieners · 31/07/2020 16:43

If you can afford it, and can also afford to be flexible on repayment periods, I would do it. My parents did this for me and DH, when we needed a car but couldn't get the finance, and we set up a monthly standing order. We got a lump sum from some extra work DH did, and used that to clear the balance early. My parents have also helped my sister with her car, they bought it outright and she pays back monthly. They worked on the basis that if for whatever reason either of us couldn't afford to repay, they would rather us owe them than a finance company. If they had been unable to afford it though, we wouldn't have asked.

If your DS has come up with a business case for the car - cost of car, how ongoing expenses will be met, repayment period, when the balance will be cleared - then I would absolutely consider it in the context of my finances.

DH bought DS a car as his inheritance, but DS pays the insurance, tax, etc. It is an expensive business - even with a black box, and 2 years driving experience with no claims, his latest quote was £1100 for a 5 year old Corsa that does 8000 miles per year.

Yankathebear · 31/07/2020 16:47

I would.

We have no public transport locally so unless I play taxi (which I can’t as I work) then dc are stuck. Plus I know that they are driving a safe and reliable car rather than an old banger.

Bagelsandbrie · 31/07/2020 18:14

Why can’t he get a personal loan or credit card with 0% interest on a money transfer or purchases to get his own car??! He’s an adult.

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