Finance the purchase of your new or used car
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I’m buying a car
The financing of a car generally results from a real effort in managing the family budget. Often, savings are not enough, and resorting to other sources of financing becomes necessary. Given the importance of such an acquisition, many parameters deserve your full attention. Whether the purchase is for a new or used car, you must be attentive to every detail.
Which model? What warranty period? How is the registration tax estimated? What about insurance? The actual condition of the vehicle? So many questions that deserve to be resolved before making a decision.
I’m organizing…
The purchase of a vehicle, whether new or used, represents a significant investment. Ask yourself the right questions before embarking on this adventure.
What engine?
Diesel
Pros: Known for being more eco-friendly and economical, the diesel engine is particularly appreciated. Its cost is higher at purchase, but resale is less difficult due to their popularity. Its emission of unburned hydrocarbons and CO2 is estimated to be 20% less than that of a gasoline engine, and its consumption is reduced by about 15%.
Cons: The purchase cost of the diesel engine is higher. Similarly, the cost of maintenance and insurance.
Tip: To make the most of the benefits offered by a diesel engine, it is advisable to travel at least 20,000 km per year.
Gasoline
Pros: Vehicles equipped with a gasoline engine are offered at a more advantageous price. A wide choice of models exists on the market, making it easier to find a car perfectly suited to your needs. Furthermore, gasoline engines benefit from cheaper maintenance costs.
Cons: The ecological impact is greater than for a diesel engine since CO2 and unburned hydrocarbon emissions are higher. It should be noted that this type of engine is also more fuel-hungry.
What equipment?
In terms of equipment, the most eco-friendly and economical cars are always the most interesting.
A vehicle equipped with LPG or Liquefied Petroleum Gas is less polluting and operates with a fuel whose price is lower compared to other energy sources. The use of LPG may entitle you to a tax credit or, in certain areas, an exemption from registration fees, but it is advisable to inquire.
As there are not yet many choices for vehicles equipped with LPG, installing a special kit can be an interesting alternative. The repair must be entrusted to an approved professional for more safety. Unfortunately, its cost is quite high. You should expect to pay between 1,000 and 3,000 euros. This installation must be revised and approved every 8 years. For safety reasons, LPG is not allowed to park in certain parking lots, such as the Channel Tunnel.
A car equipped with ABS is also more efficient and safer since this system allows the wheels to unlock during braking.
Other aspects, such as the choice of gearbox, can be considered when purchasing. While the manual gearbox optimizes the power of small engines, the automatic gearbox contributes to driver comfort. In any case, this choice has no impact on consumption.
And on the administrative side?
When purchasing a used car, you will need to ask the seller to provide you with a technical inspection certificate.
What budget to plan?
- Sports car or convertible coupe enthusiasts should plan between 20,000 and 50,000 € depending on the chosen vehicle model.
- Are you a city car enthusiast? A budget of 8,000 to 35,000 € is necessary.
- To drive a minivan or family car, the bill can vary between 8,000 and 90,000 €.
Be careful, entry-level prices do not always provide all the necessary comfort for vehicle use.
Good advice
When purchasing a used vehicle, be sure to check every detail. Require an up-to-date maintenance log to ensure the vehicle’s good condition. In case of repair, the seller must be able to provide you with invoices related to the work done. For a car that has been on the road for at least 4 years, a technical inspection certificate issued less than 6 months ago is essential.
Remember that your car will accompany you daily for a few years. Do not hesitate to take the necessary time to choose and compare offers before making a purchase decision.
Practical advice
5 points to check when buying a car.
1. The exterior aspect
A simple look at a vehicle is not enough to make a decision, especially without the help of a specialist. If possible, it is advisable to seek the assistance of someone knowledgeable. The most opportune time to see the vehicle is during the day. This allows you to better scrutinize every corner. To check if the paint is uniform. To spot any cracks or blisters on the bodywork. Or even, a door that does not close properly, worn-out tires, or any other detail revealing that the car is too worn or has been in an accident. Nothing should escape your vigilance.
2. The interior aspect
If the exterior check is satisfactory, you should also carefully examine the interior of the vehicle. From the floor to the ceiling, including the floor mats, everything should be reviewed in detail. Look for rust or hidden tears on the seat upholstery. Test the various functionalities and scrutinize all mechanical tools. Do not hesitate, even if it takes time. It is entirely legitimate on your part given the importance of the investment.
3. The engine condition
A problem with the engine could cost you a lot in repairs. Do not hesitate to check the various components. This is the best way to spot defective parts and verify the actual condition of the engine.
4. The documents to check
The main documents to examine carefully are the registration certificate and the vehicle’s maintenance log. The first allows you to verify that no other transaction has been made previously and that the car being sold is indeed that of the owner. The second helps you assess the vehicle’s condition. Be wary if the seller is not very enthusiastic about showing them to you.
5. The test drive
The last important thing if everything suits you is to take a test drive. Listen carefully to every noise, from start to stop, through the various accelerations. Take the time to feel, experience, and enjoy the comfort provided by the drive.
If everything seems satisfactory, take some time to reflect. Perhaps other points will arouse your curiosity or other questions will come to you later. In any case, the result of your examination should help you negotiate the price and save money.
Check list
The final steps before purchase.
Which model to choose?
The ideal is to choose a model in perfect harmony with the desired use. The most popular brands and models at the time of purchase may have a higher cost. If it’s the model you want, it may be worth waiting for this enthusiasm to subside to benefit from a better quality/price ratio or to turn to good deals.
Another tip, lesser-known brands that offer good models. This option can hold excellent surprises for you.
For used cars, prepare a checklist of questions to ask the seller. Do not overlook a perforated exhaust, an oil leak, or a bad joint because you like the color or because the seller promises to give you a discount. Everything must be systematically checked.
During the test drive
At the time of the test drive, here are some useful tips:
A battery in good condition should be able to start the engine even when the headlights are on. Otherwise, it will be necessary to check that there is no problem with the battery and other parts such as the ignition or carburetor.
During the test, remember to check the various indicators and gauges for battery charge or oil pressure. In case of doubt, seek the help of a professional. They will be able to advise you on the best decision to make.
The engine pitfalls
The engine deserves your full attention before purchase. To better judge the noise it emits, get out of the car when it is warming up and listen for any whistling. If a sound is heard and its volume increases when you block the exhaust outlet, the explanation could be a leak in the exhaust system.
If blue smoke is emitted and persists when accelerating, there may be a problem with the engine.
Similarly, noise coming from the engine when the hood is open is far from normal if it exceeds the simple clicking for a valve engine. For an overhead camshaft model, silence is required. Even a sharp clicking can be considered normal unless it persists.
That’s it! Have you decided to buy a new or used vehicle? Our company guides you to obtain the financing that matches your request: discover our car loan now on this page
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