'ello peeps, hope you're all keeping well :)
Am on the verge of pulling the trigger to splurge on a car that I've always wanted ($40K). Whilst I have the money I'd rather take out a loan as I can invest and get a better return in 3yrs of the loan term.
Having a look at loans (have property to secure) and car loans are borderline robbery, is personal loan the way to go? How do I go about justifying what I need it for so they don't rip me off or do I even need to justify if I can pay it off as agreed? Is there anyone in particular that I ought to go with in my current situation? Looking for one that's 3yrs to pay off, and, would be nice if I can pay it off sooner if opportunity presents itself without penalty.
I've only recently remortgaged so getting appraisal for funds down that route is unfortunately not an option.
Thanks heaps in advance