Is it worth it??

[LittleDude101]

Im trying to weigh up the pro's and con's of getting a new car :panic:

im in a secure job, on very good money for my age.

I want a Honda Civic Sport SE (really want a type R, but insurance is well to much)

The car is say £5k and insurance is £1600.

I would get a loan as I have a credit card to pay off aswell.

Due to the job, I need a reliable car as of the hours I will be working.

I would sell my quicksilver after I buy the civic if i do, but i cant bring myself round to say yes I will definatly buy it.

Come on people, help me with the pros and cons to get my final thought

[Richmt11]

Hey you dont want the deciding factor to be the same as i had. I wanted a VTR for ages to go up from my 1.2 in the ned i had to write my car off to get me to buy it :D hehe

[Delboy75]

I would make a loan a last resort mate, you'l regret it in the long run.

[LittleDude101]

I would make a loan a last resort mate, you'l regret it in the long run.

the loan is a last resort, but i dont want to finance the car

The main point i keep telling myself is my insurance is £900, car is paid for, but has continuous problems

[lady_saxo]

I think just go for it an get the new car you know you want it ! ;) take a chance!

[OLLYVTS]

good evening all.im new to this so i dont know if im posting in the right bit,but i was just wondering if anyone can tell me how to fit a pair of sparco 3 point harness.plz help as i dont know how to bolt them to the floor.many thanks
:panic:

[LittleDude101]

I think just go for it an get the new car you know you want it ! ;) take a chance!

i wouldnt just for the chance lol.

I know with the loan, i can easily pay it every month and it will leave me with enough money for the month and enough to save

[OLLYVTS]

plz help any advise would be apprecidation

[lady_saxo]

i wouldnt just for the chance lol.

I know with the loan, i can easily pay it every month and it will leave me with enough money for the month and enough to save

well by the sounds of it youll be alright! Go on ! lol :y:

[kcsaxo]

if your car is running fine then i wouldnt advise getting a loan to buy a new car. to many things can happen when trying to pay the loan off which might force you to get rid. if its what you want then its all good but think about if you WANT or NEED the car.

[BenSilverSaxo]

good evening all.im new to this so i dont know if im posting in the right bit,but i was just wondering if anyone can tell me how to fit a pair of sparco 3 point harness.plz help as i dont know how to bolt them to the floor.many thanks
:panic:

WTF you are in the wrong section and you know you are!! Get the civic!!

[Amiee]

if u really want the type r id wait, my mate just brought a 03plate type r in red, he waited an extra year so he could get the R and he said hes glad he did :)

[kenny]

a bank loan is a better idea over finance as its usually a lower apr. if it was me i would definatly wait the extra year and get a type R as you will prob think what if i waited etc

[Luke]

What condition is the Quiksilver in?

Do you really need a 5k loan? It seems quite a lot of money mate to be honest, dunno if I could justify doing that again after I borrowed 4k finance.

[Meakin]

Wait until you can get a TYPE-R and save the money you will be paying on a loan, to get it.

Will be much more rewarding, less loan, nicer car etc etc.

[Yates]

do what you want, if you feel you need a new car get one

[R4T]

civic's arent all that reliable my mate has a 54 plate civic sport had several problems getting it to start...

[srcnix]

Right, I have a little experience in this so I'll give all I can.

I got a £5,000.00 loan out for a new car and spent £4,000.00 of that on the actual car and used the rest to pay off my old man as I owed him some dosh.

While to start it was great having a nice car, it still is when it's gone (road accident) and you have a loan to pay off and nothing to show for it it can seem a little daunting.

If anything bud all I can say is, go fully comp so if you smash up your car in one way or another you're sorted with money to either buy a new car or get rid of most of your loan.

We can't tell you what to do other than sell your QS to me for £800.00 if you get a new car ;)

[Barry123]

Wouldn't you rather spend the money on something worthwhile?

Most of the time an more expensive car usually means higher running costs... can you afford them on top of higher repair bills, higher service costs, higher insurance, higher tax.... oh and paying the loan and the credit card off?

Sorry im going to be all bowwwwring on yer ass and say get an ISA and lob the extra cash that you'll be saving at the end of each month into that.
However if your car keeps on the breaking then yes get a better car. Although you mention that you wanted an R but couldnt afford it because of insurance... in a years time and you see the insurance price for a R (could be affordable) you'll probably want to sell the sport, which means you've lost cash through depreciation and also because of the loan. I'd wait personally.

[PugDan]

I 'upgraded' my first Quiksilver to a brand new C2.

I sold it after 3 weeks, I absaloutly hated the boring drive.

Guess what I bought next?

A quiksilver.

There amazing cars to drive mate and I had so much fun in them, however, I sold it 3 weeks ago for my new Astra Coupe which I love. I wouldnt go back to a small french tin can for an everyday car again, but would love one for the track.

Hope that helps buddy.

[LittleDude101]

Wouldn't you rather spend the money on something worthwhile?

Most of the time an more expensive car usually means higher running costs... can you afford them on top of higher repair bills, higher service costs, higher insurance, higher tax.... oh and paying the loan and the credit card off?

Sorry im going to be all bowwwwring on yer ass and say get an ISA and lob the extra cash that you'll be saving at the end of each month into that.
However if your car keeps on the breaking then yes get a better car. Although you mention that you wanted an R but couldnt afford it because of insurance... in a years time and you see the insurance price for a R (could be affordable) you'll probably want to sell the sport, which means you've lost cash through depreciation and also because of the loan. I'd wait personally.

Im sure I can afford the bills on top, im on £24k a year :drink:

The QS is running ok at the moment but as i finish work sometimes midnight, 2am and 4am, I feel I need something that I know will be reliable no matter what

[zakery_18]

mehh get a fiesta

[Barry123]

Im sure I can afford the bills on top, im on £24k a year :drink:

jammy mofo.

in that case go for it mate:A: