Best time to order 3 Door GTI for Late October/November Delivery?

[Pauly]

Hey guys,

I am currently on my P's in Victoria and the law states that P plates cannot drive the GTI. Fair enough, not going to argue there.

However, I want to have my GTI here when I get off my P's which is in the 2nd last week of October this year.

When would be the best time to go to a VW Dealer and put my deposit down? I have heard some stories on here of people having to wait 6 months plus for their GTI to be delivered. Which doesnt bother me, I just dont want to order too early and have it arrive at the dealer 2 months too early.

My aim to sell my car privately, so I will need to do this while im waiting for my GTI to arrive. That also means I cant have the GTI arrive say 2 months before im off my P's, which would force me to sell my current car early, and I would be without wheels for 2 months.

What I was looking at was a Red 3 Door DSG GTI, with a fair few options added on in Victoria.

What are peoples thoughts?

I was thinking of putting my order in July? but this maybe too late according to some reports i have heard?

Can I put my deposit down, and request the dealer order the car at the most appropriate time to guarantee a late october/early november delivery date?

[tee_off]

This thread might interest you:

http://www.vwwatercooled.org.au/newforum/upload/showthread.php?t=41642

[Corey_R]

I think that you should probably start talking to a dealer now. Current wait times are around 6 months. Sure October is 8 months away - but say that it takes you a few weeks to negotiate and do all that, if the car does take 6 months, then maybe it does arrive a month before you're off your P's.

However, if you are up front with the dealer, I'm sure that they would be happy to hold the car in storage for you until you were legally allowed to drive it away. I have a friend who had VW hold a car for him for ~2 months whilst he sold his current car privately. Now, this was due to the dealer having the storage area available and really wanting the sale etc, so maybe not all dealers could do this, but it doesn't hurt to ask

[Pauly]

The only thing is. I need to comfirm that I can get finance for the car. (say 25K?) do I need to do that before I put the deposit down on the car?

Ive had a 10K car loan previously and paid it off early for my current car.

So what is the best way of going about this?

[Corey_R]

The only thing is. I need to comfirm that I can get finance for the car. (say 25K?) do I need to do that before I put the deposit down on the car?

YES MOST DEFINITELY!

You should ALWAYS have your finance approved (at least a 'preapproved amount you can borrow' before going and putting down a deposit).

[Pauly]

coreying do you think placing the order for the car in June would be too late/cutting it fine for a November delivery?

I dont wanna jump the gun too early when it comes to ordering the car. Thats all.

[Corey_R]

From what we've seeing now Pauly, there is little chance that you'd be able to get your car in November from a June order. But then again, things may change by that point....

[Pauly]

That is a real pain. I was hoping to get some more savings behind me by June, before I go to the bank and ask for a car loan.

At this stage my bank account is not in the most healthy state after paying for a car service, insurance and rego (male under the age of 25).

When you get a car loan, do they ask for a print out of how much your bank account is sitting on at the moment? or is it just pay slips?

[Corey_R]

They do a full credit check. So they'll probably want to see pay slips, bank accounts, any credit cards you have etc. They may want you to reduce your credit card limits too etc.

[Pauly]

yeah shouldnt be an issue I think ill need to start looking around at which dealer can offer me the best price, and how is happy to keep a car in storage until late October if it arrives early.

[VW4ME]

I agree, start talking to a dealer now and get the ball rolling.

You actually don't need all that much to just put in an application to see if they'll lend you the money, heck you don't even need to show payslips and the like up front, but of course you need to be accurate with what you tell them as they'll request payslips later.

It should be that simple.

So don't worry too much about getting things together, just talk to a finance guy at a dealership.

[Corey_R]

Actually - be careful about putting in applications for credit! Because when you do that, the credit provider does a check on your credit history. If you were to take the credit, there would then be another note to say that you have a new loan etc. But if you DONT take the credit, there is no note to say that you haven't taken it. What this means is, any company in the future that then checks your credit history simply sees that someone else checked it - no note to says that you decided not to take it, or no note to say that the lender declined to give you credit - so that future lender can assume that you were denied - which they often do as they often err on the side of cautiousness.

This happens all the time and people don't realise why they later can't get credit!
It's one of the reasons why there is currently new legisaltion in the works to get this credit record overhauled.

[Pauly]

Im abit confused there?

I need to apply to get a loan, which means handing over information to whoever I want to go with?

I know I have perfect credit, I have paid off previous loans early, never missed one payment. My credit card is perfect and I have no overdue bills.

But I dont get what you mean? I have nothing to hide?

[Pauly]

I have posted what i have decided to get on the car in the:

Golf GTI Mark VI Specifications and Prices Thread

http://www.vwwatercooled.org.au/newforum/upload/showpost.php?p=469283&postcount=530

Please let me know your thoughts on prices etc etc.

I have never wanted leather, and I opted to not get the Sunroof and Dynaudio. Im justifying it to myself that I dont have a sunroof at the moment, and I dont think I will ever use it that much in Melbourne. and the Dynaudio because I have heard the stock unit and I think it sounds great. I cant justify spending $1300 on a slightly better setup.

So that saving there can go towards Insurance.

But please post your thoughts on the options I have selected and let me know if they are waste or not.

[Corey_R]

Im abit confused there?

I need to apply to get a loan, which means handing over information to whoever I want to go with?

I know I have perfect credit, I have paid off previous loans early, never missed one payment. My credit card is perfect and I have no overdue bills.

But I dont get what you mean? I have nothing to hide?

VW4ME said "You actually don't need all that much to just put in an application to see if they'll lend you the money, heck you don't even need to show payslips and the like up front, but of course you need to be accurate with what you tell them as they'll request payslips later."

So what I was saying is, yes, you can do that, but be are of what happens in the background when you do this. i.e. Don't go filling out applications are several different lenders to see what you will be able to get, because you will end up with a 'bad credit history', even though you in reality you've done nothing wrong.

As I said, the current credit history system is too simplistic, there is nothing which details 'why a loan was not taken'. Did the customer pass up on the offer? Or did the lender refuse credit due to some reason? That information doesn't get listed. So even people who go to a store like Harvey Norman to buy an item and get asked to take up the 'no interest finance' and say yes, to only decide to just put it on their credit card or whatever, those people end up with that 'checked credit history' mark. Do that a few times and that person can find it hard to get a loan when they really need it due to all these 'checked credit history' marks....