I need to somehow justify loosing nearly a grand (to get out of finance) and paying

You can get discounts with a part-ex (on a new car). We got

Post Office personal loans are a very reasonable 5.9% APR at the moment, much cheaper than HP. If your current finance deal is HP you can simply hand the car back with nothing more to pay IF you have already made half the payments. Also remember the loan outstanding will be more than the settlement figure - you owe

sounds like a good plan! i hope i can haggle a good deal! I currently pay 190 a month on my focus so an extra 50 quid a month shouldent make too much difference to me, hopefully i can haggle around the

Go for a personal loan, not finance through the garage, that way you don't have to pay documentation/administration fees.

I changed cars in June, my previous car was worth a lot less than what was owed but I ended up paying

i live at home so negative equity isn't a problem. When I last asked about a VRS the gap in what i owed and what it was worth was too much. However now I am thinking if a order a skoda next month, the wait will be a few weeks, so i will have paid annother 2 payments by then. But 2 months ago the dealer in crewe said he could do 2.5 % APR. Was this an limited offer does anybody know?

I meant negative equity on your existing car i.e. you owe more than it is worth, manufacturers finance companies can't be fooled by fiddling new car/trade in price, in my case Skoda finance wouldn't do it.

Also, be very sure a dealer is talking APR when it comes to finance. In my experiance they nearly always talk in flat rate percentages.

As I said in my previous post try your own bank, I got a really good rate without too much haggling and no hidden costs.

Oh, yeah, they always talk flat rate.

IIRC 4.5% flat rate is somewhere about 8% APR.

It is worth remembering though that sometimes a dealer will give you a better deal if you take their finance as they get commission on it. Probably not enough to make the difference if you get a personal loan with 2% lower APR, but worth remembering all the same.

Someone from work is now buying my car for 6k solving my problem. as soon as she gives me a deposit I will order it! still gotta haggle a good deal tho!!

I think i went with northern rock for finance, 5.7%. For the car you need to find a good deal on the internet and take that to your local dealer and ask them to beat it. If you dont mind pre reg you can get a better deal but i'm not sure its worth it for a few hundred quid, carselect have an ok deal i'm quite sure its not the best but it isnt on a pre reg and the dealer should be able to knock a few hundred quid off. If you want extras ask for the same discount on them aswell (car select give you the same discount) make a note of checking the dealer gives you twelve months tax aswell, i only got six but didnt notice until it was to late even though they offered to beat the offer from carselect that came with 12 months.

You may have to go to a few dealers before you get the best deal but i wouldnt play them against each other too much as they might get a bit pi$$ed