You have the money tucked away, the ideal car model selected and the determination to negotiate your car purchase down to a discounted price.  Now there’s just one hurdle standing in your way: is it better to buy a new or used car online?

It’s a tricky question that can trip up even the most enthusiastic buyer.  After all, a laundry list of pros and cons come attached to both new and used cars – and if you’re not particular about which type you buy, then it can be difficult deciding between the two.

This article is designed to simplify the issue of buying a new or used car online.  If you’re not sure which is better to buy, turn to this article as a surefire guide to deciding which type to purchase.

Consider Your Lifestyle. What’s your lifestyle got to do with it?  Apparently, a great deal: assessing your lifestyle – and what you need from your car – should tip you towards either end of the new/used car scale.  Use this mini-checklist below to determine which kind of car you’ll need:

• Are you planning on using your car for long-distance travel?
• Do you have a commute of more than 30 miles each way?
• Will you only use your car for running errands?
• Do you want to avoid paying for monthly bills?

If you answered “yes” to the first two questions, then it might be better to buy a new car online; if you answered “yes” to the latter two questions, then consider buying a used car online.

Consider Your Budget. Take an honest assessment of your car budget.  How much can you afford to put as a down payment?  How much can you put aside for monthly payments?  If you’re financing, what can you comfortably pay each month?  Don’t forget to add insurance payments, registration fees, repairs and gas on top of these expenses.

If you’re worried that these expenses might stretch your budget, then search for a used car online.  Plenty of private sellers offer incredible deals, so you can save a bundle without tying yourself down to an expensive auto loan.

Do You Need a Warranty? If you’re looking for the assurance of a warranty, then stick to buying a new car online.  While used cars may be cheaper, many of them fall under the category of “buying as is”; in other words, if you have to do any repairs or engine work, then the expense falls on your shoulders.  A new car with a warranty will give you peace of mind.

When it comes to the issue of whether it’s better to buy a new or used car online, the final decision ultimate depends on your lifestyle, budget and your need for security.

Gumtree.co.nz is New Zealand’s premier classifieds. For used cars from various cities, including car sales in Christchurch, visit our website today.

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