| The Pub Talk about anything not relating to cars or Commodores in general. |
20-09-2007, 07:50 PM
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A 4 and a 6... Wheres 8?
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Ride: 1991 VN Berlina & MY96 Subaru Liberty GX
Join Date: Mar 2006
Location: Gumeracha, Adelaide Hills
Posts: 8,329
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Dealer Finance or Personal Loan???
After recently deciding not to sell my VS, someone backed into it at a Foodland carpark today and they stuffed the rear bar (broke the clips, cracked the bar). Now i've had enough so I want it gone by the weekend. Obviously I want to trade it in and i've found a car that I like.
I found a low km 1 female owner MY96 liberty. The thing is thanks to the reversing incident the value of the VS is now lower anyway so im 2 or 3 grand short of being able to have this car by the weekend.
So should I just go for dealer finance? Or go to my credit union and get a personal loan?
Whats better and why? If theres not much difference i'll just go dealer finance as its only a small amount and I cant be bothered going to too much hassle.
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20-09-2007, 07:52 PM
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Ride: 96 VSII Clubby a4 + 03 VYII Clubby M6
Join Date: Feb 2006
Location: Melb, Vic
Posts: 312
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i found the dealer finance to be the same rate as most banks and easy to deal with
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20-09-2007, 07:53 PM
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WTF?!?!
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Ride: VS Acclaim V6
Join Date: May 2005
Posts: 1,527
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Personal loans may have lower interest than dealer finance. But that depends on where you get the loans from.
See which ones are cheaper then go for that cheap one.
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20-09-2007, 08:00 PM
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Ride: Mercedes X Chaser
Join Date: Aug 2007
Location: N.S.W
Posts: 52
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Dealer finance is in the most part on par with a personal loan in regards to interest rates.
You may however benefit insurance wise going for a personal loan,because as far as the premium goes,you own the car.
As every insurance company operates under different guidelines it may pay to check with yours to see if this is the case.
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20-09-2007, 08:14 PM
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A 4 and a 6... Wheres 8?
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Ride: 1991 VN Berlina & MY96 Subaru Liberty GX
Join Date: Mar 2006
Location: Gumeracha, Adelaide Hills
Posts: 8,329
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Ah cool cheers guys. As its only 2/3k small interest differences aren't a worry.
I'll ring SGIC tomorrow and ask about them. Thanks guys 
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20-09-2007, 08:16 PM
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.
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Ride: 'Enhanced' Y Series Senator Sig
Join Date: Feb 2005
Location: Geelong
Posts: 5,645
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Unless you go a loan for 12 months, i wouldn't do either..too bloody expensive.
I took the just on 10k balance to pay for the senator over a 12 month personal loan, costing me almost nothing
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minuxx dot net
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Buy my Prints below
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20-09-2007, 08:19 PM
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A 4 and a 6... Wheres 8?
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Ride: 1991 VN Berlina & MY96 Subaru Liberty GX
Join Date: Mar 2006
Location: Gumeracha, Adelaide Hills
Posts: 8,329
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Yeah it will be 12 months max as its only 2 or 3 grand. I want it out the way by this time next year anyway as I have some big plans in 12 months time
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20-09-2007, 08:29 PM
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WTF?!?!
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Ride: VS Acclaim V6
Join Date: May 2005
Posts: 1,527
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So personal loan it is.
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20-09-2007, 09:31 PM
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P.I.M.P
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Ride: VN Calais v8_mazda mx6_mazda 323 rwd_kawasaki zzr
Join Date: Mar 2006
Location: Canberra
Posts: 686
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just get a credit card
__________________
Chuck Norris played Russian Roulette with a fully loaded gun and won
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PM ME MORE FOR INFO
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20-09-2007, 09:33 PM
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Ride: VP HSV Enhanced Calais, 2006 Suzuki Grand Vitara
Join Date: Feb 2004
Location: Brisbane
Posts: 319
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Just borrow it off your parents?
2-3k is bugger all.
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20-09-2007, 09:40 PM
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Ride: MY08 Outlander XLS
Join Date: Aug 2006
Location: Bunbury, WA
Posts: 4,247
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Go down to the corner for a night and sell your ass, you'll make that in a couple of hours.
__________________
It is better to be silent and thought a fool than to open your mouth and prove it.
Quote:
Originally Posted by DannyboyDS
I burnt my hand in a nasty way once using method one but thats because i'm a twat.
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Wholesaler of exhaust, suspension and brakes.
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20-09-2007, 10:08 PM
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WTF?!?!
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Ride: VS Acclaim V6
Join Date: May 2005
Posts: 1,527
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Quote:
Originally Posted by Not_An_Abba_Fan
Go down to the corner for a night and sell your ass, you'll make that in a couple of hours.
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Bwhahahahahaha LOL
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20-09-2007, 10:24 PM
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A 4 and a 6... Wheres 8?
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Ride: 1991 VN Berlina & MY96 Subaru Liberty GX
Join Date: Mar 2006
Location: Gumeracha, Adelaide Hills
Posts: 8,329
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Quote:
Originally Posted by Not_An_Abba_Fan
Go down to the corner for a night and sell your ass, you'll make that in a couple of hours.
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You obviously havent seen my ass 
haha nah I have quite a fine ass, I often stare at it in the mirror through my legs for extended periods of time
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20-09-2007, 10:30 PM
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Enhanced Custom Tuned
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Ride: VZ SS Thunder MY06
Join Date: Jan 2007
Location: SA
Posts: 339
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lmao
we all hear about your arse on msn
now on JC... we cant escape it can we dylan
fix the VS and keep it
or
fix it then sell it privately. you might get more for it
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