Advice please.




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Thread: Advice please.

  1. #1
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    Default Advice please.

    Hi Team.

    I'm new to the game. Please advise on the following.

    Is it better to take out a loan for the balance of amount for purchasing a 4x4 or can I get vehicle finance through a company on a pvt sale?

    Insurance, advice on who is good to ensure with?

    Assistance is much appreciated thankyou.

  2. #2
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    Default Re: Advice please.

    values would help along with type of vehicle
    presuming is a cash sale and you need to finance the shortfall ? between what your cash is and what your heart wants ?
    Touareg 7P V6 TDi BlueMotion TerrainTech

    MX5 - soon to be Toyota V12 powered and megasquirted

    Honda Jazz hybrid - wifes run around - no longer to save fuel for the departed Hemi GC - now just spectacular on fuel at 3,3l per 100km

    and many others sold and gone but not forgotten

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  4. #3
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    Default Re: Advice please.

    You will probably get a better interest rate when financing the vehicle than when you take a personal loan. Wesbank and ABBA does financing for private sales AFAIK.

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  6. #4
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    Default Re: Advice please.

    Thankyou for the feedback. I'm looking at 100k, got 50 in cash and need to sort the balance out...

    I would love to be able to spend a lot more but for now it will just be a weekend overlander vehicle for short getaways.

  7. #5
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    Default Re: Advice please.

    I'm struggling to get suitable advice from a decent sized group of people regarding what is and is not a decent 4x4 as everyone has a different opinion. I'm interested in the colt v6 3L automatic

  8. #6
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    Default Re: Advice please.

    Also depends on what the year model is of the vehicle.
    Normal vehicle finance is only for up to 10 year old vehicles.
    Some banks do finance older vehicles.

    You can contact Motorlease. They facilitate private sales for a small fee. Much cheaper than doing it directly with say Wesbank.

    I've used them twice already.

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  10. #7
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    Default Re: Advice please.

    Quote Originally Posted by Frost 80 View Post
    I'm struggling to get suitable advice from a decent sized group of people regarding what is and is not a decent 4x4 as everyone has a different opinion. I'm interested in the colt v6 3L automatic
    3l is a good motor my friends has 700k km on ..

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  12. #8
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    Default Re: Advice please.

    ok to a broad question like that you will get a thousand answers

    in my mind a decent 4x4 starts with having a viscous at a minimum centre diff or preferably a lockable centre diff

    lockable centre diff or even a viscous centre diff makes a massive difference in all off road conditions from sand to mud to rock

    i would choose that over
    rear diff lock
    fancy suspension etc
    Touareg 7P V6 TDi BlueMotion TerrainTech

    MX5 - soon to be Toyota V12 powered and megasquirted

    Honda Jazz hybrid - wifes run around - no longer to save fuel for the departed Hemi GC - now just spectacular on fuel at 3,3l per 100km

    and many others sold and gone but not forgotten

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  14. #9
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    Default Re: Advice please.

    i had a Colt 3l
    awesome vehicle, great 4x4 and very capable
    put on some muds, free flow and raise it a bit

    Landrover Puma 110, OME, Imagine Trailvan
    Disco1 V8

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  16. #10
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    Default Re: Advice please.

    exactly what 3bar said
    How long is a piece of string?

    Nobody can make your mind up on your behalf.
    Also helps if you narrow things down a bit.
    T6 Facelift 2.2 DC 4x4
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  17. #11
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    Default Re: Advice please.

    So what would you all recommend as far as a starter 4x4 in 100k range with 200 000 KMs or so?

  18. #12
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    Default Re: Advice please.

    Quote Originally Posted by cornel1610 View Post
    You will probably get a better interest rate when financing the vehicle than when you take a personal loan. Wesbank and ABBA does financing for private sales AFAIK.
    Interesting! Regarding vehicles, I thought ABBA only sings about Super (Isuzu) Trooper and Dancing Queen (Fortuner)! I had to take a personal loan in 2014 (also 50k) for my 2001 Pajero as it was too old >10 years to finance. Look at Gen 2 or 3 Pajero, but avoid Gen 2 diesels (the 2.8 Tdi); they are notorious head crackers. Disco 2, older Prado's and a host of double cabs in your budget should give many years of good service IF the vehicle was maintained and driven properly. A good Colt 3.0 V6 auto should be awesome!
    Last edited by Jens78; 2017/01/11 at 01:38 PM.
    2001 Gen 3 Pajero swb 3.2 Di-D

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