Used Car Finance: how to sort the bangers from the best deals

The vast majority of people in the UK can't afford tofinance dealer, even from a mate down the pub!
buy a brand new car, and why would you want toThough it's possible to get some real bargains
anyway? In terms of investments, new cars are onethrough the less official channels, you've really got to
of the worst; as soon as you drive it off theknow a bit about cars to avoid landing yourself with
showroom floor - you've just lost 20% of its value.a vehicle which has some serious underlying
In real terms, this means that if you've just spentmechanical problems.
£20,000, you can kiss £4000 goodbyeFor this reason, many people prefer to buy used cars
almost straight away! Within five years, it will havefrom established second hand dealers. You tend to
lost almost 50% of its original value - so unlesspay a little more, but you car comes with something
you've got money to burn, buying a brand new car isnot normally offered by the man down the pub -
not the best way to get your hands on a motor.peace of mind. With a used car dealership, every car
Used cars generally offer a far better deal; the pricewill have to undergo a thorough inspection by a
of a car that is over two years old will have alreadyqualified mechanic, so you can be pretty sure that it
dropped considerably, a car which is six or morewon't break down the drive it away. Many used car
years old can be up to 75% cheaper than when itdealerships also offer certain optional guarantees, and
was new.extended warranties, thereby further reducing the
But of course there can be more risk when buying achances of you being left out of pocket sometime
used car. When buying new, a car tends to comedown the line.
with all sorts of warranties and guarantees that willIn conclusion, unless you're a mechanical genius or
cover the costs of any problems should they occuryou just enjoy taking risks, your best bet for
during the first three years after purchase. However,avoiding a banger is to visit a used car dealership,
the used car market is much more variable; you canspend time talking to the sales guys, don't appear
buy a car from any number of sources: fromtoo keen and be ready to walk away if the price isn't
newspaper classifieds, from eBay, from a used carright.