Need to buy a bigger car... finance options?

[bramston21]

Evening...
So with 4 kids and all the paraphernalia that comes with it we need to get rid of the XC90 and look for a bigger car... think it’s going to be a VW Caravelle...
Given were also going to be hit by Mr Khan’s emission zone expansion in Oct it would appear prudent to pay more and get a vehicle that will be exempt...
So my question to you all is what are my options for financing or leasing... and do people have any preference for a certain type of arrangement?
In the past I’ve always bought the car outright, and sold a few years on... that’s not going to be possible this time as the cost will be more than I’ll get from the sale of the workhorse...
Any helpful suggestions (excluding don’t have 4 kids ;-) )
Cheers all..
A

[AdamC28]

If your looking at used cars then a personal loan from your bank is usually the most cost effective option. A loan can be had for around 2.9% APR.

Used car PCP rates can be much higher, often around 8-9%. IMO PCP deals only really make sense if buying new.

[ZX10R NIN]

If you're going used then getting a personal loan will be the cheapest way to finance getting a new workhorse.

I'd look at the i800

https://www.autotrader.co.uk/van-details/202105202...

https://www.autotrader.co.uk/van-details/202106043...

Transit Tourneo

https://www.autotrader.co.uk/van-details/202105152...

170 Titanium

https://www.autotrader.co.uk/van-details/202106083...

MS RT

https://www.autotrader.co.uk/van-details/202106033...

https://www.autotrader.co.uk/van-details/202105102...