kenny_boon Posted December 27, 2006 Report Share Posted December 27, 2006 hi all, was there not a finance calculator on audi.co.uk for a while? is it still there or is it just me? thanks Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted December 27, 2006 Author Report Share Posted December 27, 2006 is there a pecentage limit of the cars value you can put down if buying with a balloon payment at the end? Quote Link to comment Share on other sites More sharing options...
ahaydock Posted December 28, 2006 Report Share Posted December 28, 2006 Think the calculator has now gone :-( They told every single car is different so I guess you need to contact the stealers. Quote Link to comment Share on other sites More sharing options...
gizze Posted December 28, 2006 Report Share Posted December 28, 2006 They took it off when everyone else rates came down and theirs didn't!! If you need to work out repayments try this..... http://www.dynamic-webs.co.uk/information/car_loan_calculator.html I would work on 7% for most lenders who do balanced payments with a 50% residual after 3 years or 45% after 48 months, or put 11% in if you want an idea of what Audi will try and get away with! Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted December 29, 2006 Author Report Share Posted December 29, 2006 what could audi be forced down to? Quote Link to comment Share on other sites More sharing options...
mattburrow Posted December 29, 2006 Report Share Posted December 29, 2006 Chester Audi had 7.4% I thought that was quite competative Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted December 29, 2006 Author Report Share Posted December 29, 2006 was that APR? Quote Link to comment Share on other sites More sharing options...
sidicks Posted December 29, 2006 Report Share Posted December 29, 2006 Plenty of banks offering loans at around 6.5% APR, so you should negotiate hard to get the dealer down to 7%. Also, negotiate on the car first, then only when you are happy that the deal on the car itself is good, should you discuss finance. Why not try lombard direct or one of the other on-line loan providers? Sidicks Quote Link to comment Share on other sites More sharing options...
kenny_boon Posted December 29, 2006 Author Report Share Posted December 29, 2006 im wanting to go down the route with a balloon payment at the end so not sure how many do such? Quote Link to comment Share on other sites More sharing options...
Atomic Posted December 29, 2006 Report Share Posted December 29, 2006 Work for a bank... it's about the only time I feel a perk these days since every benefit has been taxed to death. Then again I'm pretty sure my wife Merc has a 3.6% apr agreement... Quote Link to comment Share on other sites More sharing options...
sidicks Posted December 29, 2006 Report Share Posted December 29, 2006 [ QUOTE ] Work for a bank... it's about the only time I feel a perk these days since every benefit has been taxed to death. Then again I'm pretty sure my wife Merc has a 3.6% apr agreement... [/ QUOTE ] .........which must be being subsidised by the dealer (or Mercedes UK), so I guess potentially you could have got a bigger discount on the car by paying cash? Sidicks Quote Link to comment Share on other sites More sharing options...
gizze Posted December 29, 2006 Report Share Posted December 29, 2006 [ QUOTE ] im wanting to go down the route with a balloon payment at the end so not sure how many do such? [/ QUOTE ] Loads of lenders will be able to do it with a balloon. Why not speak to Gareth, this is exactly what he does, he will find you the best deal, it isn't always about apr anyway, there is loads of other things that actually make up what you pay. Quote Link to comment Share on other sites More sharing options...
iainmarsh Posted December 30, 2006 Report Share Posted December 30, 2006 Remember how u stack up on credit also determines APR and advance of $$$. If its any help on BP over 25k on a finance only I work to 2% above base and if I supply the car 1.5% above base. Eh up Guy !! Happy New Yr Bud!! PM me or speak to Guy if u need anymore info. Happy to crunch numbers for u. Quote Link to comment Share on other sites More sharing options...
gizze Posted December 31, 2006 Report Share Posted December 31, 2006 Hi Iain, see your post rate is getting getting more and more, 16 now in 2.5 years!! Happy new year mate. Quote Link to comment Share on other sites More sharing options...
Merlot Posted February 2, 2007 Report Share Posted February 2, 2007 I found the loan calcuator very useful. I was looking at 36M LP for my new TTR and copied down the figures from the dealer. They claim it was 6.5% APR (unregulated, won't write it down etc) but I did some rough numbers myself using the logic of borrowing the final payment for three years and the balance (ex the deposit) divided by two (as reducing balance) for three years. So, say, £30k car, £5k down, £15k final payment would be an average borrowing of £20k over three years and then inverse compound it back. Anyway I reckoned it was double digit APR. The loan calculator has suggested 11% which amazes me! Quote Link to comment Share on other sites More sharing options...
gizze Posted February 2, 2007 Report Share Posted February 2, 2007 I know, it amazes me, they seem to blatently lie about the figures! When I was looking at an S4 he gave me a finance deal telling me it was 6.5% apr, it was 10.9% apr. He kept telling me I was wrong, I then gave him teh figures I had from lombard and tere finance guy actually said "Don't bother trying to get him to finance it with us, he knows what he is talking about" WTF! Quote Link to comment Share on other sites More sharing options...
hashluck Posted February 3, 2007 Report Share Posted February 3, 2007 Audi tend to quote flat rate and most of the time either don't know what they are talking about and thing it is the same as apr or lie or both. Quote Link to comment Share on other sites More sharing options...
Merlot Posted February 3, 2007 Report Share Posted February 3, 2007 [ QUOTE ] I know, it amazes me, they seem to blatently lie about the figures! When I was looking at an S4 he gave me a finance deal telling me it was 6.5% apr, it was 10.9% apr. He kept telling me I was wrong, I then gave him teh figures I had from lombard and tere finance guy actually said "Don't bother trying to get him to finance it with us, he knows what he is talking about" WTF! [/ QUOTE ] Sounds like your experience is exactly the same as mine. Because lending over £25k or whatever it is is unregulated then they can say what they want. My man would not confirm the APR in writing which says a lot. Quote Link to comment Share on other sites More sharing options...
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