In market for a new A4 : 143 S - Line Executive

[johny1980]

I don’t think you will get a 50% reduction from the dealer. I assume you are looking at a car that has not been built yet and you are looking at the Audi PCP deal. If so the PCP 5,8% finance should be on all A4s (except S4s etc) if the dealer is participating in the promotion. Dealers have a bigger margin of profit in dealer-fit options, but on a factory order the margins are the same as vehicle (possibly the odd exception) ie not a lot.

I would expect to lose your deposit, but be pleased if you don’t, at least that’s how I look at it. You are getting pretty cheap finance and a £500 bung from Audi so you are saving a bit over standard cheap finance. When it comes to the value of your trade car, check the paperwork when the dealer finally sorts out all the money. The figures on the paperwork that you sign will show the SIV of the trade vehicle. This is the true value of your vehicle as the dealer sees it. He would like to value it less on paper as it saves him VAT, but if they are caught, they get into serious trouble so the figure should be roughly the true value of your car. It’s the price to change that counts, as I am sure you know. The dealer tends to know how much he has to play with and distributes this like fairly dust around different points on the deal, a little bit more for ou trade in, a little bit of discount on the new car and perhaps some of his finance commission on the PCP.

A for a deal on the A4, I have only spoke numbers to one dealer and we are about £2K apart on monies, but I think he might move another £1,500 yet. This is using the 5.8% PCP model. I just can’t decide between the advantages of Quattro against the advantages of RWD and amazing economy of a 330D (sorry for mentioning the B word). Plus I would like to know when the updated 3.0tdi is coming to the A4

the cars are in stock

thats why there discounted

so it would only be dealer fitted extras then ?

can i ask why you think id loose my deposit, i cant see why the car will only be worth 13k in 3 years ?

[Legs]

My 170 comes with start stop and the DAB is FAB!!! I listen to BBC Radio 5 Live a lot when in the car and, especially at night, the crystal clear DAB sound is night and day compared with old medium wave. I'm told the music stations are great too..............

[Geordie Amanda]

the cars are in stock

thats why there discounted

so it would only be dealer fitted extras then ?

can i ask why you think id loose my deposit, i cant see why the car will only be worth 13k in 3 years ?

If the cars are stock, I would hope that you would be the first registered owner. It’s important you clarify this, although by the figures you give for the finance, it sounds like you probably are the first owner. You are of course correct that you can only get dealer fit accessories now. If it is pre-registered, then the dealer usually hangs on to the car for 3 months and can offer a big discount.

I always look on the dark side when it comes to the future value of cars as they rarely meet your expectations come trade in. If Audi offer big discounts on cars, this will ultimately filter down to the residual values. Guess we can’t have it both ways I’ve owned over a dozen cars and probably only 3 have come up trumps at trade in time (or private sale). Funnily enough my BMW 123D is worth less than I owe, but my Fiat Sedici 4x4 is worth exactly what I paid for it in 2008!!! Go figure eh

[Geordie Amanda]

Here is an example that is similarish to your deal (its an A6 but the numbers are not a million miles away).



It is for a different car, but the model is broadly similar. The final GFV is lower so that will make the payments a tad higher for this example and you have an extra £500 being contributed by Audi (not the Dealer). So your amount of credit is £25.5k - £3k (your deposit) - £500 (Audi) = £22,000 of credit required.

The rough rule of thumb is for every extra £1,000 you borrow on a PCP, it will put your payments up £30 a month. So looking at the A6 example and your quotes, it looks like you have been offered a pretty fair deal.

The 5.5%APR in the A6 example is probably the same flat rate as on the A4 deal, as APRs are a ruddy menace and change up and down depending on how much you borrow and how long you borrow over. This is the case even though the flat/base rate remains unchanged.

Just for a matter of interest, here is an example using an on-line APR calculator for a £10 loan over one year using 5% flat rate of interest. The total interest to be paid is 50p and as mentioned the interest rate is 5%.








The APR is………………………………wait for it…………………………




……………………………….. over 180,000%!!!!!!!!!!!

It doesn’t mean you pay any more money, its just the way APRs work and why I don’t like them being used in finance quotes.

[johny1980]

ok thanks groove

that le mans spec aitn bad

what spec/extras do you get with that ?