Porsche PCP - Help !!!

[Wing Commander]

That’s a very fair point; there comes a time when chasing your tail for a few hundred quid just isn’t worth it for some people.
The higher residual from Porsche actually contributes to their higher APR as the sum borrowed stays higher over the term.

+1. And in addition (even though I went through Clydesdale) using Porsche finance is less hassle & builds brownie points with the OPC which may come in handy for future transactions.

[SAC1]

Loving the comments !!

Financial Advisers do have hearts I promise !!

I went away and had a good old think and here’s what I’ve done........Just ordered a new Macan 3 litre petrol, it’s going to take 6 months to arrive so fit’s in perfectly. Scrapped the idea of using some tax free cash from the pension and went with PCP over 4 years where I can just hand it back or buy it....or go electric !

The comments on here have really helped, you do seem like a nice bunch !!

Best Wishes

Jeff

Wow! And I thought that I was impulsive!

Congrats on the Macan S order!

Can you give us an idea of the provisional spec you’ve ordered? We’d love to offer our views!

I hope that Porsche gave you a good deal on the PCP. Quite a few of us have gone with Clydesdale for a lower APR, albeit hire purchase (with a balloon) as opposed to PCP.

Cheers,

Hi Simon,

Volcano Grey Metallic
Black leather package with partial leather seats
Panoramic roof system
Side window trims in black (high-gloss)
‘PORSCHE’ logo and model designation painted in matt black
Porsche Doppelkupplung (PDK)
Porsche Active Suspension Management (PASM)
Sports tailpipes in black
21-Inch RS Spyder Design Wheels (Blimey, expensive) !!!
ParkAssist (front and rear) including reversing camera
Adaptive Sports seats in front (18-way, electric) with memory package - still not sure if the 14 way comfort seats are the better option.
Seat heating (front)
BOSE® Surround Sound System

Going to shop around for the PCP, the rate from Porsche is 6.8%.

Best Wishes

Jeff

*Heated front seats
*Smokers pack (to cover hole in centre consul)
*Speed sign recognition (or whatever it's called)

[JBA]

Hi Simon,
I'd suggest upgrading from Reverse camera to Surround View Camera system. It's excellent and will help you avoid dinking those expensive 21" alloys!
Caveat - even with surround, you might still kerb your alloys at night time if no street lighting. This is because the side-down cameras do not "cope" well to "illuminate" the line of the kerb to the road when it's dark.

[JBA]

Apologies meant to address this to Jeff not Simon.

[Wing Commander]

Volcano Grey Metallic
Black leather package with partial leather seats
Panoramic roof system
Side window trims in black (high-gloss)
‘PORSCHE’ logo and model designation painted in matt black
Porsche Doppelkupplung (PDK)
Porsche Active Suspension Management (PASM)
Sports tailpipes in black
21-Inch RS Spyder Design Wheels (Blimey, expensive) !!!
ParkAssist (front and rear) including reversing camera
Adaptive Sports seats in front (18-way, electric) with memory package - still not sure if the 14 way comfort seats are the better option.
Seat heating (front)
BOSE® Surround Sound System

*Heated front seats
*Smokers pack (to cover hole in centre consul)
*Speed sign recognition (or whatever it's called)

Jeff's already included seat heating (front)

[NSinc]

Wow! And I thought that I was impulsive!

Congrats on the Macan S order!

Can you give us an idea of the provisional spec you’ve ordered? We’d love to offer our views!

I hope that Porsche gave you a good deal on the PCP. Quite a few of us have gone with Clydesdale for a lower APR, albeit hire purchase (with a balloon) as opposed to PCP.

Cheers,

Hi Simon,

Volcano Grey Metallic
Black leather package with partial leather seats
Panoramic roof system
Side window trims in black (high-gloss)
‘PORSCHE’ logo and model designation painted in matt black
Porsche Doppelkupplung (PDK)
Porsche Active Suspension Management (PASM)
Sports tailpipes in black
21-Inch RS Spyder Design Wheels (Blimey, expensive) !!!
ParkAssist (front and rear) including reversing camera
Adaptive Sports seats in front (18-way, electric) with memory package - still not sure if the 14 way comfort seats are the better option.
Seat heating (front)
BOSE® Surround Sound System

Going to shop around for the PCP, the rate from Porsche is 6.8%.

Best Wishes

Jeff

*Heated front seats
*Smokers pack (to cover hole in centre consul)
*Speed sign recognition (or whatever it's called)

See, i took the smokers pack out as i quite like the idea of the little cubby hole to stick my phone etc in. Anyone else reasoned like that?

[Makanik]

[quote=NSinc
See, i took the smokers pack out as i quite like the idea of the little cubby hole to stick my phone etc in. Anyone else reasoned like that?
[/quote]

Yes, I definitely prefer having the extra place to put things, which you lose by adding Smokers Pack.

[happy days]

[quote=NSinc
See, i took the smokers pack out as i quite like the idea of the little cubby hole to stick my phone etc in. Anyone else reasoned like that?

Yes, I definitely prefer having the extra place to put things, which you lose by adding Smokers Pack.
[/quote]

I have a cubby hole in my 718, ashtray in the McCann. The phone won't fit in the cubby hole, but airpods do.

[Simon850]

Interested to hear everyone's thoughts on PCP actually. I looked at Clydesdale at 4.8% but am planning to go with Porsche's PCP at 6.8% as it seems to make more sense to me. (Pick the car up end of Oct).

My OPC gave me a £1500 discount based on me taking the VWFS product, so it makes the total payable using the Porsche PCP product around £600-£700 more over the term, than using someone else.

Now all the firms like clydesale and prestige who were offering finance, were giving me a final balloon of max 27-28kk (on a Macan S) Porsche are giving me circa 32k if i remember rightly.

So the monthlies are actually less using VWFS, and i feel more protected with the larger GFV, and like the thought of it being with VWFS as opposed to some private credit company. For me i'm really not bothered in the slightest about an extra few hundred quid over 3 years. I'm going to lose over 30k in 3 years on this car as it is.

Am i missing something obvious in my calculations here? Or is it just that some people are more bothered than me about getting the absolute best deal possible to them?

Have you pushed back on the final balloon payment with Clydesdale? When negotiating my deal I pushed back and they came back with a final balloon payment figure £3k higher!

[Wing Commander]

^^^ I have found Clydesdale to be pretty helpful & flexible.

Which way were you 'pushing back'? For a lower or higher balloon payment?

Cheers,