**Motoring Specialists Reveal the Three Phrases to Avoid When Arranging Vehicle Finance**
Purchasing a car marks a major life moment, whether it’s your first vehicle or a much-anticipated upgrade for the family. With financing now responsible for approximately 80% to 90% of new car purchases—and a growing share of used car deals—this option has become the path of choice for many drivers across the UK. Yet, as more motorists turn to finance agreements, industry insiders are highlighting the importance of savvy communication, warning that saying the wrong thing in the showroom could lead to expensive mistakes and regretful contracts.
Industry professionals from First Response Finance have sounded the alarm about common missteps in car finance discussions. According to Jonathan Such, a motoring expert at the firm, being mindful of what you disclose during negotiations is essential. Dealers are trained to pick up on cues and adjust their offers accordingly, making every word count during the car buying process.
Mr Such explained, “Your words not only reveal how much you know about financing, but they also shape the deal you’re likely to get. Showrooms can be fast-moving environments, but it’s worth doing your homework so you arrive armed with the right knowledge.” He stressed that a bit of preparation can prevent buyers from unintentionally boxing themselves into unfavourable deals.
Drawing on his experience in the sector, Mr Such outlined three key statements to steer clear of when discussing finance packages.
**1. “I just want the monthly payments as low as possible”**
On the surface, lower monthly payments may seem desirable. However, Mr Such cautioned that stretching repayments over a longer period accumulates more interest, which ultimately raises the overall cost of the vehicle. While a longer term can sometimes benefit those working to rebuild their credit, he advised buyers to be upfront about the full budget they are comfortable with rather than solely focusing on monthly instalments. Clarity on the total amount you’re willing to spend provides a stronger foundation for securing a fair deal.
**2. “I don’t really understand how finance works”**
Admitting confusion or uncertainty about the finance process could work against the buyer, Mr Such observed. Unscrupulous salespeople may spot an opportunity to upsell extras or push unfavourable terms when they sense a lack of confidence or understanding. To counter this, he recommended that prospective buyers thoroughly research financing options beforehand and keep the details of their situation to themselves, only discussing what’s necessary. Demonstrating knowledge by inquiring about specific products—such as the difference between hire purchase and Personal Contract Purchase (PCP)—can put buyers on firmer ground.
**3. “I’ve already fallen in love with this car”**
Expressing a strong emotional attachment to a specific model can also backfire, Mr Such warned. Sales staff might avoid suggesting better-value alternatives or seize on visible enthusiasm to recommend additional products and packages. To remain in control, he suggested buyers keep their preferences close to their chest and act objectively, even if coming in with a particular car in mind. Taking time to compare various models not only helps confirm that your initial choice is the best fit but demonstrates to sales staff that you’re thoughtful and measured in your approach.
Ultimately, securing sensible car finance comes down to staying informed and maintaining composure. Mr Such closed with a reminder: “Being open and straightforward is important, but so is protecting your interests. Don’t be afraid to walk away if the deal doesn’t feel right. At every stage, make sure you’re comfortable with the agreement on the table.”
This advice underscores the critical role of preparation and self-awareness. As more UK drivers opt for finance to get behind the wheel, taking a few moments to carefully consider your words could save thousands over the course of your agreement. Prospective buyers are advised to research thoroughly, know their numbers, and keep their emotions in check to drive away with the best possible deal.