Air Rifle on Finance??

[Powell93 5]

Hi all,

 

I've noticed that The Airgun Centre do finance options for most rifles, I was just wondering if this was worth doing as I couldn't afford a decent second hand one outright let alone a brand new one?

 

Its all good and well saying 'just save up and get one second hand' but in my current situation its quite difficult, seeing as I have another finance going and insurance to pay for, whilst saving to do my full bike test (which is by no means cheap!!).

 

And £30 odd quid a month isn't really that noticeable to a certain degree...

 

For those that want to know i was thinking about the BSA Scorpion SE Combo kit they do.

 

all comments welcome (apart from the 'save up' ones )

 

Regards

 

 

 

Lee

 

 

Edit: And the customer service from them has got to be worth the little extra in the long run eyy?!

Edited August 27, 2012 by Powell93

[davyt63 1,845]

Hi all,

 

I've noticed that The Airgun Centre do finance options for most rifles, I was just wondering if this was worth doing as I couldn't afford a decent second hand one outright let alone a brand new one?

 

Its all good and well saying 'just save up and get one second hand' but in my current situation its quite difficult, seeing as I have another finance going and insurance to pay for, whilst saving to do my full bike test (which is by no means cheap!!).

 

And £30 odd quid a month isn't really that noticeable to a certain degree...

 

For those that want to know i was thinking about the BSA Scorpion SE Combo kit they do.

 

all comments welcome (apart from the 'save up' ones )

 

Regards

 

 

 

Lee

 

hi Lee

one thing at a time,hence the highlighted?

check out the sales section,you may pick up a bargain for a couple of 100 pounds? good luck buddy

[Powell93 5]

Hi all,

 

I've noticed that The Airgun Centre do finance options for most rifles, I was just wondering if this was worth doing as I couldn't afford a decent second hand one outright let alone a brand new one?

 

Its all good and well saying 'just save up and get one second hand' but in my current situation its quite difficult, seeing as I have another finance going and insurance to pay for, whilst saving to do my full bike test (which is by no means cheap!!).

 

And £30 odd quid a month isn't really that noticeable to a certain degree...

 

For those that want to know i was thinking about the BSA Scorpion SE Combo kit they do.

 

all comments welcome (apart from the 'save up' ones )

 

Regards

 

 

 

Lee

 

hi Lee

one thing at a time,hence the highlighted?

check out the sales section,you may pick up a bargain for a couple of 100 pounds? good luck buddy

 

Hi Davy

 

I think that came across wrong, my fault... what I mean is income isn't a problem. But saving IS with those things coming out.

However adding another 'Bill' of around £25 monthly (changed from 30 as I played with the options a little) couldn't do that much harm... could it?

 

Regards

 

Lee

[paulus 26]

small monthly payments can soon add up to large unmanagable debt very quickly, why not just give £30 a month to someone else to save in 10 months you will be sorted the same as having the finance but without the worry

[Powell93 5]

small monthly payments can soon add up to large unmanagable debt very quickly, why not just give £30 a month to someone else to save in 10 months you will be sorted the same as having the finance but without the worry

 

Question is.... can I wait 10 months?!

 

But on a serious note I like that idea, but the free service and repairs from The Airgun Centre for as long as I own the rifle is REALLY tempting aswell.

 

Regards

[pianoman 3,587]

From what you say Lee, it seems like you're pretty well up with commitments as it is . Or why would you ask?

 

It's really up to you whether or not taking on another debt is something you can really afford.

 

But, consider also the interest you have to pay.

 

add in the interest on the loan and you will end up paying an awful lot more for your rifle. I know "save up!" is not what you want to hear but, honestly, in the long run, you'll be glad you did. I saved up for all my rifles and I owe nobody nowt for them! And I treasure them for knowing what it took to get them.

 

Paulus has a wise suggestion here, Why not give 30 quid a month to someone you trust to keep for you. Add in a bit more when you can.

 

Nothing beats that feeling of going to your gunshop with the cash in your pocket and watching that rifle you really want, coming down from the display racks!

 

Pianoman

 

Edit to add.

 

Free service and repair is not much compensation if you run into debt problems. Unlikey you'll need that so soon anyway?

Edited August 27, 2012 by pianoman

[davyt63 1,845]

small monthly payments can soon add up to large unmanagable debt very quickly, why not just give £30 a month to someone else to save in 10 months you will be sorted the same as having the finance but without the worry

 

what he said

[davyt63 1,845]

hi lee

you could also contact your local shop,and see if he will do a deposit plan for you,with receipts of each payment?

once its paid you pick it up

[Powell93 5]

I think your all right! after reading these comments I cant help but feel im rushing to get a rifle, and that instead i should be more patient and wait and get one fully paid for... just as Pianoman has said - the feeling of watching that rifle down from the display rack, knowing you don't owe anyone anything for it.

 

Timmytree, you make some good points, I suppose I'm just worried about things going wrong, but maybe its better not to think of such things.

 

And Davy, that sounds like a good idea, I'll get in contact with them as soon as I can and find out

 

My mind has definitely been positively swayed today, thanks guys

 

Regards

 

Lee

[AR177 588]

Well from what i can see there prices are madness!!!

 

£581.48 per month for a mk2 rapid!

 

http://www.theairguncentre.com/rifles/theoben?limitstart=0

 

... i think its a typo on the website

 

ATB

 

Adam

[risingfriend 1,042]

24.9% say no more

[paulus 26]

24.9% say no more

could always get a payday loan at neigh on 2000% bargin

[davyt63 1,845]

I think your all right! after reading these comments I cant help but feel im rushing to get a rifle, and that instead i should be more patient and wait and get one fully paid for... just as Pianoman has said - the feeling of watching that rifle down from the display rack, knowing you don't owe anyone anything for it.

 

Timmytree, you make some good points, I suppose I'm just worried about things going wrong, but maybe its better not to think of such things.

 

And Davy, that sounds like a good idea, I'll get in contact with them as soon as I can and find out

 

My mind has definitely been positively swayed today, thanks guys

 

Regards

 

Lee

 

hi lee

as Delboy say's "you know it makes sense!"

[falcongit 242]

hi lee

you could also contact your local shop,and see if he will do a deposit plan for you,with receipts of each payment?

once its paid you pick it up

 

 

thats what i did davy,i went in when i wanted and paid what i wanted untill it was paid theres no presure from the shop owners sorted,no added extras....

 

atb symon

[AR177 588]

Unfortunately we now live in a world of credit and it has become the norm to buy things with loans (which is what the finance agreement is)

 

Houses, Cars, Tv's, Furniture, and now Air rifles - you can get pritty much anything of value on finance..

 

Im in two minds about this,

 

One side of me (the old man/farther) says If you don't have the cash then you cant buy it, you have to work and save for what you want - which was the way i was brought up

 

And the other side (the 24yr old) says ... WOO I JUST BOUGHT A NEW RAPID!!!!!! :boogy: thats the side i have a wife to keep in check

 

I dont see anything wrong with getting one on finance, but you have to make sure you can make the terms and conditions because the consequences can be severe if you cant -

Just dont be impulsive and rush out to buy one because finance is available, its better to save and buy outright so there are no ties or strings attached

 

ATB

 

Adam