Returning/swapping a car early on fiance • Non-Gaming • Eurogamer.net

Anthony_UK 29 Jan 2016 23:32:59 3,094 posts
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Purchased my first car on financé round 14 months ago (VW Polo). Since then my financial situation has improved and ideally i'd like to upgrade to something better, A Golf GTI etc.

Anyway, could anyone give any advice or whether it's even advisable to return cars early? I've really no idea, i'm assuming it revolves around any equity that might be in the current car but does anyone have any advice/done similar.

Edited by Anthony_UK at 23:42:39 29-01-2016

Deleted user 29 January 2016 23:38:07

Better speak to your fiance first

Anthony_UK 29 Jan 2016 23:43:26 3,094 posts
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bugger

darrenb 29 Jan 2016 23:50:41 1,179 posts
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If you return it early say goodbye to any equity that you think you have in it..

Nitrous 30 Jan 2016 00:13:33 2,295 posts
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I've done this with Ford. It clears the outstanding finance and any value left over goes into any upfront deposit offered by yourself or by dealer contribution. It brings the monthly repayments down but the lower the repayments are the higher the GMFV is to pay if you want to keep the car at the end of the agreement. Obviously if you don't ever intend on keeping the car then the GMFV doesn't matter to much.

I cant remember how much equity they thought was left in mine but it wasn't much. I only did the deal because of the promo/discount and I was getting the price of my 1st year service back.

My deal is over three years, Id keep what you have now, look after it and trade it in before the 3rd year service is due. By then they might have a new Golf GTI model out to.

Edited by Nitrous at 00:15:47 30-01-2016

Deleted user 30 January 2016 00:19:13

My finace did not make it in the end, had to say GOODBUY to her

Nogoodbirchfiancr#

Deleted user 30 January 2016 00:20:19

Threw my car keys in a bowl. Brought back whom new finance win win win she nice

Kosmoz 30 Jan 2016 03:49:43 8,184 posts
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You will have big time neg eque. prepare to be humped on monthly payments

Fake_Blood 30 Jan 2016 07:12:31 11,093 posts
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And don't get the golf.
You can get practically the same car from Seat or Skoda for far less.

Deleted user 30 January 2016 07:20:10

If it's a diesel, hang around a few months as it's probably not out of the realms of impossibility to give it back and demand your money back

Armoured_Bear 30 Jan 2016 10:28:36 31,233 posts
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Fake_Blood wrote:
And don't get the golf.
You can get practically the same car from Seat or Skoda for far less.

Which skoda?

Fake_Blood 30 Jan 2016 13:16:14 11,093 posts
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Armoured_Bear wrote:

Fake_Blood wrote:
And don't get the golf.
You can get practically the same car from Seat or Skoda for far less.
Which skoda?

Octavia, same chassis and engines. You can get it with the 184bhp diesel engine from the golf GTD.
Volkswagen/audi group innit.

askew 30 Jan 2016 13:24:27 24,121 posts
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VAG hrhr