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What is the Best Way to Get a New Car - Loan, Lease or Hire Purchase?
Buying a car is one of the most important purchase decisions of
your life. It involves a huge cash outflow. You have to find a
right dealer to buy a car. Compare the car prices offered by
various dealers. Make sure that you get the best car deal. But
this is not the end. You will have to decide how you will pay
for the car. There are several options you can choose from.
One of the options is to get a car on lease. If you do
not wish to pay a huge amount of money at once, you can go for a
lease agreement. This way, you do not have to buy a car. All you
need to do is to pay monthly lease rentals to the dealer and
start using the car right from the day one. The amount of lease
rentals is quite affordable. You pay the rent for a stipulated
period of time after which you will have to return the car. This
is the biggest drawback of getting a car on a lease. You do not
own the car and this will make you feel your money has gone down
the drain.
If you do not want this to happen, you can buy a car on hire
purchase. In case of hire purchase, you pay a fixed amount of
monthly installments to the dealer for a stipulated period of
time, usually a few years. You can use the car during all these
years and do not have to return it at the end of the period. You
will have to pay an additional amount of money along with the
price of the car. This additional money is known as interest.
Another way to finance a car is to obtain a car loan.
The rate of interest on car loans is usually lower than the rate
on hire purchase. Lenders that offer car loans are banks,
financial institutions and private lenders. A car loan can be
secured or unsecured. Compare the interest rates and other
repayment terms of different loans offered by various lenders.
About the author:
Author: The author is a business writer specializing in
finance and credit products and has written authoritative
articles on the finance industry. He has done his masters in
Business Administration and is currently assisting
E-secured-Loans as a finance specialist. For more information
please visit: http://www.ecar-loans.co.uk
Written by: Vipul Jain
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