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New (used) commuting car advice

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Jigglebiz
Jigglebiz Posts: 162 Forumite
I need to buy a new car in the next month primarily for work. I’ve got a new job and need to commute 3-4 days a week, 50-70 miles a day in total with about 20 mins of motorway and then several shorter journeys in towns and B roads.

Planning to get a new-ish Toyota Yaris but stuck on whether to get a Petrol or Hybrid model. Lots of incentives on buying the former new. Options are:

- New Petrol Yaris 1.5 £12,500 on 41 month PCP 0% or £6k cash + £2k 0% credit card over 1 year + £4.5k personal loan over 3 years (should get 3-4%)

- 2017 Petrol Yaris 1.5 £9500 with £6k cash + £3500 0% Hire Purchase over 2 years

- 2017 Hybrid Yaris 1.5 £11,000 with £6k cash + £2k 0% credit card over 1 year + £3k personal loan over 2 years (3-4%)

Not sure if the additional costs for the Hybrid will be recouped through fuel savings . Is there a way to work this out?

I don’t like the idea of PCP and prefer to own things where possible.

And before anyone tells me to just buy a car outright with the £6k... yes, but I really need reliability and predictable costs. With the Toyota 5 year warranty and fewer MOTs to worry about it would really help reduce stress levels for my job.
Thanks
Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
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Comments

  • Jigglebiz
    Jigglebiz Posts: 162 Forumite
    Should have said the commute will include 20 mins of motorway commuting in each direction, so 40+ mins on motorway per day
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
  • knightstyle
    knightstyle Posts: 7,219 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So quick mental calculation makes that about £1500 on fuel a year to get to and from work. A hybrid will reduce this by about £300 an electric car will reduce it to under 100 a year.
    I am sure others will have wildly differing costs but to me either get the petrol one, resale price will be good, or a fully electric car.
  • Jigglebiz
    Jigglebiz Posts: 162 Forumite
    I’ve looked into EVs and the Renault Zoe on PCP would be unaffordable for me unfortunately.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
  • daveyjp
    daveyjp Posts: 13,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 30 July 2019 at 8:53PM
    Hybrid is auto, I assume the others are manual? I would drive them as the CVT is a love hate thing, the manual is excellent. With over 100bhp it is a quick car when needed.

    We have a 1.5 manual, 17 reg and 60mpg from your commute at should be achievable.

    Use the Toyota main dealer website to check prices, they do vary. Don't bother with a new one, save the cash, you have a remainder of the 5 year warranty which you will probably never need.
  • Jigglebiz
    Jigglebiz Posts: 162 Forumite
    Thanks dave it’s really helpful to hear from a Yaris owner.
    Actually that price is for a CVT auto, I drive manual usually but rest drove a 2015 Auris hybrid (that I probably can’t afford) and liked the CVT, though I guess this is different to a petrol CVT.
    I have found a manual Yaris petrol 1.5 2017 at £8.5k , it’s at a dealer about 2 hours away (seaside town) and hence lower prices.
    Tempted by an auto though for stop/start city driving which I do frequently , though I’ve heard it will make me a lazy driver...
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
  • daveyjp
    daveyjp Posts: 13,515 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Drive the manual anyway. The gearbox is silky smooth and the clutch isn't heavy. 6 speed too, hence the economy.
  • Jigglebiz
    Jigglebiz Posts: 162 Forumite
    According to Honest John’s real MPG stats the manual averages 50.4 MPG against the auto’s 57.4 (which is incidentally very close to the hybrid’s figure). I guess it depends on driving style too.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
  • foxy-stoat
    foxy-stoat Posts: 6,879 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Still struggling to see how a £6000 car isn't reliable and unable to predict running costs.
  • Cisco001
    Cisco001 Posts: 4,130 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I have yaris hybrid, Just to warn you it is quite noisy when you drive over 70mph on motorway...

    However, i love driving in town with it.
  • Jigglebiz
    Jigglebiz Posts: 162 Forumite
    Foxy the £6000 Yaris would be out of warranty and would have MOTs from day 1. It would also be an older model (1.33 engine) which I don’t like as much.
    Last time I bought a Honda Jazz for about £6.5k that was 4 years old, it has been good but is not suitable for me now as, like the 1.33 Yaris, is underpowered for motorway driving in my opinion.

    I stick to Japanese cars for their reliability and have not been disappointed yet.
    Total debt outstanding: Jan18 -£1813 / Feb18 -£1649 / Mar18 -£1278 / Apr18 -£999 / May18 -£632 / June18 -£316 / July18 £0
    House Buy/Sell Fund: Jan18 £0 / Feb18 £184 / Mar18 £568 / Apr18 £936 / May18 £956 / June18 £1538 / Jul18 £2233 / Aug18 £2719
This discussion has been closed.
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