Dealer Finance or Personal Loan???

[1991_Vn2nV]

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.

[weedo_86]

i found the dealer finance to be the same rate as most banks and easy to deal with

[AttaBoy]

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.

[Skitz]

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.

[1991_Vn2nV]

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

[minux]

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

[1991_Vn2nV]

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

[AttaBoy]

So personal loan it is.

[VLDavo]

just get a credit card

[MasterOfReality]

Just borrow it off your parents?

2-3k is bugger all.

[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.

[AttaBoy]

Go down to the corner for a night and sell your ass, you'll make that in a couple of hours.

Bwhahahahahaha LOL

[1991_Vn2nV]

Go down to the corner for a night and sell your ass, you'll make that in a couple of hours.

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

[VZTHUNDER]

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

[1991_Vn2nV]

lol anywaysss...

Went with personal loan No more VS, now a blue MY96 Subaru Liberty.

[vy_storm]

On that note, thread closed.