Was browsing the LR used site yesterday (as you do ) and FFRR's mostly had an offer on of £4k deposit contribution, the terms of which said available until 31 March 2020.

Today the offer is nowhere to be seen......

Bit frustrating that, as it was part of my armoury to persuade SWMBO what a bargain L405's are at the moment  2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black

Got sent this earlier, so plenty of offers on.....

Click image to enlarge

Ah....just realised my post might relate to new..... perhaps not relevant.... 2011 Range Rover Vogue SE 4.4 TDV8

Previous cars :
2003 Range Rover Vogue TD6
1999 Discovery Td5 ES
1995 BMW M5 3.8 6 speed
1992 Range Rover 3.9 Efi Vogue
1992 BMW M5 3.8
1988 BMW 735i SE
1989 Ford Sierra XR4x4 2.9i
1981 Ford Fiesta Supersport

There yesterday. https://used.landrover.co.uk/content/offers Gone today!

Yes frustrating.......was very tempted with a 17 plate AB but the 4K would have made the difference.

Mind you, the way values are dropping if I wait another few months it'll be 4K cheaper  2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black

Bloke wrote:

There yesterday. https://used.landrover.co.uk/content/offers Gone today!

10.9% APR on an Evoque, or a Disco Sport Max. Really?!

Yes, a ridiculous rate in the current climate but sign up to get the deposit contribution then re-finance or pay it off asap. 2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black

I hear what you’re saying, although there are a lot of otherwise credit worthy Land Rover customers that might struggle to beat even 10.9% on a large unsecured loan.

But isn't it secured on the car? Should be lower risk. L405 P400e Autobiography (MY2020)... Silicon Silver / Espresso

If I’ve ever paid of a car loan, I’ve done it with an unsecured loan. It’s difficult to get a secured loan on a car that currently belongs to LR Financial Services (assuming that I’ve understood you correctly

Just got a used AB from LR finance at 6.9%, the garage said they didn’t join the £4K deposit offer due to the finance being too expensive and it worked out cheaper overall without the deposit contribution 2005 L322 Vogue Gold gone
2006 L322 Vogue Black gone
2011 L322 Vogue Silver gone
2011 L322 Autobiography Black gone
2015 L405 Autobiography LWB Black gone
2019 L405 P400e Range Rover Autobiography LWB Eiger grey / black roof gone
2001 P38a 30th Anniversary Wimbledon Green gone
2019 L405 P525 Autobiography LWB British Racing Green

For me the £4k was a big incentive (aside from the fact I want an L405) as it equated to around 8% off the ticket price.

My plan (assuming the go-ahead from SWMBO - a big ask but making headway !!) was to take out the finance to grab the £4k and then "re-finance it" at 1.79% via a remortgage which has come through this month with a bit of spare cash kicking around.

I was not aware you could get a loan secured on a car. I assumed the banks would refuse as it's a rapidly depreciating asset  2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black

I always go for LR finance just in case the car is a lemon - they were very good when I got one before and it needed lots of work to put it right. They own the car until the last payment so they are responsible for it to be right.

I could refinance it later at a lower apr. The loan on my mini through AA loans was only 3%. 2005 L322 Vogue Gold gone
2006 L322 Vogue Black gone
2011 L322 Vogue Silver gone
2011 L322 Autobiography Black gone
2015 L405 Autobiography LWB Black gone
2019 L405 P400e Range Rover Autobiography LWB Eiger grey / black roof gone
2001 P38a 30th Anniversary Wimbledon Green gone
2019 L405 P525 Autobiography LWB British Racing Green

I financed through the independent dealer I brought the car from. Negotiated 3.9% which I thought was quite good. My private pension, which I have access to if required has averaged 7% per annum growth in the last 3 years. If those figures were closer I might reconsider.

I know you’ll always pay more for a car on finance unless it’s interest free but I think I’d always struggle to use my own money on something that depreciates like a FF.

Selling finance is a big earner for the likes of LR these days, but I do wonder how they keep a straight face when they offer rates in excess of 10% in these days of low interest rates

Little surprise it's gone really - You have to wonder how many people took the deposit contribution & then re-financed.

It would make far more sense for them to shave a little off the interest charge for the duration of the finance than offer an up front lump.