Simulation car loan online
installment loan
Your request for car loan
- Monthly :
- Amount :
- Duration :
- Taeg : *
- Fixed borrowing
rate : ... - Total cost :
I buy a car
Financing a car is usually the result of a real effort to manage the family budget. Often, savings are not enough and other sources of financing are required. Given the importance of such an acquisition, many parameters deserve your full attention. Whether you are buying a new or used car, you must pay attention to every detail.
Which model? How long is the warranty? How is the registration tax estimated? What about the insurance? What about the actual condition of the vehicle? So many questions that need to be answered before making a decision.
I organize…
Buying a vehicle, whether new or used, is a major investment. Ask yourself the right questions before embarking on this adventure.
Which engine?
Diesel
Plus: Known to be more ecological and economical, diesel engines are particularly popular. It costs more to buy, but resale is less difficult due to its popularity. Its unburned hydrocarbons and CO2 emissions are estimated to be 20% lower than those of a gasoline engine, and its consumption is reduced by about 15%.
Minus: The purchase cost of the diesel engine is higher. So is the cost of maintenance and insurance.
Tip: To get the most out of a diesel engine, it is advisable to drive at least 20,000 km every year.
Gasoline
Plus: Vehicles with gasoline engines are offered at a lower price. There is a wide range of models on the market, making it easy to find the right car for your needs. In addition, gasoline engines are less expensive to maintain.
Less: The ecological impact is more important than for a diesel engine since the emission of CO2 and unburned hydrocarbons is higher. It should be noted that this type of engine is also more fuel hungry.
What equipment?
In terms of equipment, the most ecological and economical cars are always the most interesting.
A vehicle equipped with LPG or Liquefied Petroleum Gas is less polluting and runs on a fuel whose price is lower than that of other energy sources. The use of LPG can give the right to a tax credit or in certain areas to an exemption of the grey cards, but it is advisable to inquire.
As there is not yet a wide choice of LPG vehicles, the installation of a special kit can be an interesting alternative. The repair should be done by a licensed professional for safety. Unfortunately, the cost is quite high. It is necessary to foresee between 1 000 and 3 000 euros. It will be necessary to think of revising and approving this installation every 8 years. For safety reasons, LPG is not allowed to be parked in certain parking lots such as the one under the Channel Tunnel.
A car equipped with ABS is also more efficient and safer because this system allows to unlock the wheels when braking.
Other aspects such as the choice of gearbox can be taken into consideration when buying a car. If the manual gearbox optimizes the power of small engines, the automatic gearbox contributes to the driver’s comfort. In all cases, this choice has no impact on fuel consumption.
What about the administration?
When buying a used car, you should ask the seller to provide you with a certificate of passing the technical inspection.
What is the budget?
- Fans of sports cars or convertible coupes should plan on spending between €20,000 and €50,000, depending on the model they choose.
- Are you a fan of the city car? A budget of €8,000 to €35,000 is necessary.
- To drive a minivan or a family car, the bill can vary between 8,000 and 90,000 €.
- Beware, the entry-level prices do not always allow you to have all the comfort you need to use a vehicle.
Good advice
When purchasing a used vehicle, be sure to check every detail. Ask for an up-to-date maintenance booklet to ensure the vehicle is in good condition. In the event of repairs, the seller must be able to provide you with the invoices for the work done. For a car that has been on the road for at least 4 years, a roadworthiness certificate issued less than 6 months ago is essential.
Don’t forget that your car will accompany you on a daily basis for a few years. Don’t hesitate to take the time to choose and compare offers before making a purchase.
Practical advice
5 things to check when buying a car.
1. The external aspect
A simple look at a vehicle is not enough to make a decision, especially without the help of a specialist. If possible, you should seek the assistance of someone who is knowledgeable. The best time to view the vehicle is during the day. This allows you to better examine every corner. To check if the paint is uniform. To spot any cracks or blisters in the bodywork. Or a door that doesn’t close properly, tires that have reached the end of their life, or any other detail that reveals that the car is too worn or has been in an accident. Nothing should escape your attention.
2. The interior aspect
If the exterior inspection is satisfactory, the interior of the vehicle must also be examined. From the floor to the ceiling to the floor mats, everything should be examined in detail. Look for rust or hidden tears in the seat upholstery. Test the various features and go through all the mechanical tools. Don’t shy away even if it takes time. That’s only fair, given the size of the investment.
3. The condition of the engine
A problem with the engine can cost you a lot of money in repairs. Don’t hesitate to check the various components of the engine. This is the best way to identify defective parts and to check the real condition of the engine.
4. Documents to be checked
The main documents to be examined carefully are the vehicle registration document and the vehicle service book. The first one allows you to verify that no other transaction has been done before and that the car you are selling is really the owner’s one. The second one helps you to see the condition of the vehicle. Beware if the seller is not very enthusiastic about showing them to you.
5. The test
The last important thing to do if everything is to your liking is to take a test drive. Listen carefully to every sound, from starting to stopping to accelerating. Take the time to feel, experience and live the comfort of the ride.
If everything seems satisfactory, take some more 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 exam should help you negotiate the price and save money.
Check list
The last steps before the purchase.
Which model to choose?
Ideally, you should choose a model that is in perfect harmony with the desired use. The brands and models that are most popular at the time of purchase may have a higher price tag. If that’s the model you want, you may want to wait for the hype to die down to get a better value or look at good bargains.
Another tip is to look at lesser-known brands that offer good models. This option can provide you with some great surprises.
For used cars, make a checklist of questions to ask the seller. Don’t miss a punctured exhaust, an oil leak or a bad joint because you like the color or because the seller promises to give you a price. Everything must be checked systematically.
On trial
When testing, here are some helpful tips:
A battery in good condition should be able to start the engine even when the headlights are on. If not, you will have to check that there are no problems with the battery and other parts such as the ignition or the carburetor.
During the test, remember to check the various battery charge and oil pressure indicators. If in doubt, seek professional help. They will be able to advise you on the best decision to make.
Engine traps
The engine deserves your full attention before you buy. To get a better idea of the noise it makes, get out of the car while it’s warming up and listen for the slightest hiss. If you hear a hissing sound and its volume increases when you plug the exhaust port, the explanation could be a leak in the exhaust system.
If blue smoke is emitted and persists when the throttle is applied, there may be a problem with the engine.
Similarly, engine noise when the hood is open is far from normal if it is more than just a rattling sound for a valvetrain engine. For an overhead cam model, silence is required. Even a high-pitched knocking noise can be considered normal unless it persists.
That’s it! You have decided to buy a new or used car? Our company guides you to obtain the financing that corresponds to your request: discover now our car credit on this page