Car appreciation... the aesthetics, the engineering, etc

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EB in reply to @stevo_com

I'm exactly the same, l think a personal loan perhaps the best and simplest option

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Dammit in reply to @EB

Only question that occurs to me is how a personal loan affects credit score, being unsecured lending vs a car specific finance product that is secured against the vehicle.

A mortgage (as long as it is affordable) is a positive thing for your credit score I believe, whereas my score goes down when I take a personal loan out, even if the monthly repayments are (relative to disposable income) very affordable.

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EB in reply to @Dammit

Ah maybe you're right! So I wonder if there's a difference between say using the retailer finance option, or arranging finance yourself, in terms of say PCP. Does one hit your score worse than another?

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