Best way of paying for a new Pickup

[Phil P]

Ok, so as of May next year some of our land will be in a Low Emition Zone as well as some of the local towns.
The zone will actually start about a mile up the road so this means it will cost me around £9 every time I go that way in my old 2002 Ranger!
I don’t really want to part with the old girl as it’s a good old truck with nothing wrong with it but in the long run it could get very expensive to run if it starts costing another ££ a week just to go up the road

Anyway I’m not interested in starting a which new Pickup thread as I’ve a good idea of what I’d get but as I generally don’t (never) buy new cars what’s the best way of paying? I usually just hand over the cash, pay for it and drive away.
But with the way these emission restrictions are coming in and tightening every couple of years I’m wondering if it’s a better option to get one on a 24 month lease and keep it new and in warranty. Especially as thesnew vehicles are no where near as reliable as the older stuff with all the egr, dpf, add blue bollox etc!

What’s other people’s thoughts? Is leasing just dead money or is it the way to go these days?

Thanks

 

[Steevo]

Take the tractor?

 

[kiwi pom]

Ok, so as of May next year some of our land will be in a Low Emition Zone as well as some of the local towns.
The zone will actually start about a mile up the road so this means it will cost me around £9 every time I go that way in my old 2002 Ranger!
I don’t really want to part with the old girl as it’s a good old truck with nothing wrong with it but in the long run it could get very expensive to run if it starts costing another ££ a week just to go up the road

Anyway I’m not interested in starting a which new Pickup thread as I’ve a good idea of what I’d get but as I generally don’t (never) buy new cars what’s the best way of paying? I usually just hand over the cash, pay for it and drive away.
But with the way these emission restrictions are coming in and tightening every couple of years I’m wondering if it’s a better option to get one on a 24 month lease and keep it new and in warranty. Especially as thesnew vehicles are no where near as reliable as the older stuff with all the egr, dpf, add blue bollox etc!

What’s other people’s thoughts? Is leasing just dead money or is it the way to go these days?

Thanks

What sort of vehicle do you need for these Zones to avoid paying?
Do you need a new one or just newer than what you have?
Seems a funny way to save the planet, making people scrap a perfectly good vehicle.
I've always just paid for my vehicles, so no help I'm afraid.

 

[Chuckie]

Ok, so as of May next year some of our land will be in a Low Emition Zone as well as some of the local towns.
The zone will actually start about a mile up the road so this means it will cost me around £9 every time I go that way in my old 2002 Ranger!
I don’t really want to part with the old girl as it’s a good old truck with nothing wrong with it but in the long run it could get very expensive to run if it starts costing another ££ a week just to go up the road

Anyway I’m not interested in starting a which new Pickup thread as I’ve a good idea of what I’d get but as I generally don’t (never) buy new cars what’s the best way of paying? I usually just hand over the cash, pay for it and drive away.
But with the way these emission restrictions are coming in and tightening every couple of years I’m wondering if it’s a better option to get one on a 24 month lease and keep it new and in warranty. Especially as thesnew vehicles are no where near as reliable as the older stuff with all the egr, dpf, add blue bollox etc!

What’s other people’s thoughts? Is leasing just dead money or is it the way to go these days?

Thanks

Pickups are excluded from the zone until June 2023 I think, HGV charge starts in May and is £60/day if pre euro 6

They won't possibly be able to have cameras on every road, it will be a case of knowing which routes to take...........

 

[Lakesdigger]

Can you get the old pickup registered as ag vehicle?

 

[Phil P]

What sort of vehicle do you need for these Zones to avoid paying?
Do you need a new one or just newer than what you have?
Seems a funny way to save the planet, making people scrap a perfectly good vehicle.
I've always just paid for my vehicles, so no help I'm afraid.

Private cars will be exempt (at the moment) we know scrapping good vehicles is crazy but has that ever stopped the policy makers!
Probably don’t need new but the trouble reluctant to buy something that could be out of date again in another year or two when they decide it no longer meets the emissions regs!

 

[Phil P]

Pickups are excluded from the zone until June 2023 I think, HGV charge starts in May and is £60/day if pre euro 6

They won't possibly be able to have cameras on every road, it will be a case of knowing which routes to take...........

Possibly, I’d just read it was from may 22 but will have to do something one way or another eventually.

 

[Phil P]

Can you get the old pickup registered as ag vehicle?

Don’t think it’s worth the hassle, as much as the old girl flew through the mot it’s not going to last for ever. There’s the odd patch of cosmetic rust setting in and at 200k miles it doesn’t really owe me anything.
Think the Mrs wouldn’t wouldn't mind something a bit newer on the drive as well

 

[Lakesdigger]

Don’t think it’s worth the hassle, as much as the old girl flew through the mot it’s not going to last for ever. There’s the odd patch of cosmetic rust setting in and at 200k miles it doesn’t really owe me anything.
Think the Mrs wouldn’t wouldn't mind something a bit newer on the drive as well

You could have best of both worlds though, cheap to run ag pickup to fill in the gap until the lez tightens up and buy something decent and comfortable for the rest of the time (and the mrs)

 

[dave mountain]

if youve got the money then buying outright is your best bet, there is no such thing as 0% finance

for example, toyota do 0% finance, but if you use it the purchase price is 2-3k more. its cheap enough interest rate if you had to borrow the money but if you have it in the bank its far better to just buy outright

 

[Lakesdigger]

if youve got the money then buying outright is your best bet, there is no such thing as 0% finance

Whilst your are right with that statement a lot of dealers now want you to buy on finance so badly they won't knock anything off if you want to buy outright. I think it's more to do with their own tax than anything.

 

[Steevo]

Whilst your are right with that statement a lot of dealers now want you to buy on finance so badly they won't knock anything off if you want to buy outright. I think it's more to do with their own tax than anything.

They probably make more money from finance commission than selling the machine.

 

[dave mountain]

Whilst your are right with that statement a lot of dealers now want you to buy on finance so badly they won't knock anything off if you want to buy outright. I think it's more to do with their own tax than anything.

ive not found that but i would assume its just comparative pricing so they can sell more finance packages

 

[dave mountain]

They probably make more money from finance commission than selling the machine.

used car dealers yes, franchise dealers using manufacturer provided finance, no

 

[CPF]

purchase it using your credit card and think of all those free Airmiles you’ll get.

 

[Phil P]

You could have best of both worlds though, cheap to run ag pickup to fill in the gap until the lez tightens up and buy something decent and comfortable for the rest of the time (and the mrs)

The Mrs doesn’t drive it, just says it looks like scrap parked on the drive

 

[Lakesdigger]

The Mrs doesn’t drive it, just says it looks like scrap parked on the drive

i just read it that way then. Seriously though you might be better looking more into the lez regs first as there may not be any pickups currently on the market which would qualify for free access or at least might not in another 12 months. That's why you can now get a very expensive transit van for example which can do 30 miles on electric only to get in and out of lez zone for free.

 

[hintonroadhero]

if youve got the money then buying outright is your best bet, there is no such thing as 0% finance

for example, toyota do 0% finance, but if you use it the purchase price is 2-3k more. its cheap enough interest rate if you had to borrow the money but if you have it in the bank its far better to just buy outright

That doesn't make any sense..as it illegal to offer goods for cash or credit at different prices...many dealerships been prosecuted for this!!!!

 

[dave mountain]

That doesn't make any sense..as it illegal to offer goods for cash or credit at different prices...many dealerships been prosecuted for this!!!!

its not illegal

 

[Cowabunga]

its not illegal

It is only illegal if they claim that the finance is at a special rate below normal commercial terms. In other words, that they/the manufacturer, subsidise it or even provide 0% finance [at no cost], but offer a discount if not taken up. It is then deemed to be not as advertised because it was obviously not subsidised after all but the interest reduction was built into the price paid by the customer.