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Old Feb 23rd, 2014, 09:21 PM
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Mini Select PCP finance HELP!!!

Hi,

I've recently agreed to the Mini Select finance Agreement and put down a 40% deposit.

Having returned home I've run through the calculations and I'd end up paying 5k more than the cars value.

They have not yet provided me with the finance documents but I wondered if I could change to HP finance? Is there a cooling off period?

I decided on the agreement yesterday.

Thanks
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Old Feb 24th, 2014, 07:52 AM
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Yes I believe there should be a cooling off period but I would contact the dealer first thing.

Renault dealer tried to get my 20 year old daughter to sign up for one of these on a new Twingo 4 years ago, she had enough deposit for half the car and just wanted to finance the rest over 3 years, he was very pushy so I guess they make plenty of money on the finance deal.

That was all he wanted to talk to her about - just put £1000 down, keep the other £3k in your account that sort of thing until I went in with her looked at the details and took a bank loan out for her in my name for the balance. 4 years later she has now owned the car fully for a year, had she gone down the dealers route she would she be having to find £4k and I would imagine that £3k he said keep in your bank would have been well gone.

See if you can get a bank loan, they are much cheaper than dealer finance unless you can truly get a 0% deal.
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