Don't be confused by finance terms quoted for cars and commercial vehicles advertised in the National Press or by Local Dealers. Many offers may prove to be more expensive in the end and all your well earned equity becomes handed over in a final payment, leaving you with nothing towards a deposit on your next vehicle.

Entrusting your bank to arrange a loan for such purchases may seem a good idea - but once your credit line or overdraft facility is used - you have nothing to fall back on for emergencies.

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