One thing I forgot to mention is its worth asking the silly banks if you can have the money over a longer term as they are more likely to say yes as your "affordability" for each repayment is better as its slightly lower.
Maybe they also like it 'cos they get more interest as its a longer term.
I remember getting my first car loan at 21 as I need a more reliable car to get to my new job when I was single, had no habits and still lived at home, hsbc wouldnt lend me the money over 2 years but would over 4!, apparently their system always assumed you were married with 2 kids and a mortgage.
Dont thing much has changed , apart from some folk who've never used credit and possibly got rich in the property boom years or when Final salary pensions were around getting a bit snooty at other folk trying to earn a living and having a decent car to get to work and back reliably!
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