Preferable car payment options

[Hahuahin]

What is considered the best way to pay for a new car (in Thailand) Cash or down payment and thereafter monthly payments? I can get a Thai to guarantee but hesitate to set my self up with debt which totally also make the car more expensive at the same time most people say they get less discount and service if choose cash payment! What is your experience?
hahuahin

[Dannie Boy]

What is considered the best way to pay for a new car (in Thailand) Cash or down payment and thereafter monthly payments? I can get a Thai to guarantee but hesitate to set my self up with debt which totally also make the car more expensive at the same time most people say they get less discount and service if choose cash payment! What is your experience?
hahuahin

It’s almost impossible to get a discount on a car purchased here in Thailand, irrespective of cash or loan - the best you can hope for are some free services and a years “free” insurance. Interest rates will vary by car manufacturer, so if you have the disposable cash, that’s what I would recommend!!

[Motyduke]

Interest rates are huge here. And be careful to go with a "Thai guarantee" : sometimes, it something that goes back with many problems if you have any issues with your payments.

[Nereus]

What is considered the best way to pay for a new car (in Thailand) Cash or down payment and thereafter monthly payments? I can get a Thai to guarantee but hesitate to set my self up with debt which totally also make the car more expensive at the same time most people say they get less discount and service if choose cash payment! What is your experience?
hahuahin

Why would the payment type make any difference to the service or warranty? Dealers do not finance cars themselves, in fact I would imagine most, if not all, have a "floor plan" provided by a leasing company, or a Bank. They do not "own" any of their stock.

They MAY get a small commission from a finance company if they write a hire purchase sale, but their profit margin comes from the manufacturers dealers discount. Warranty work is also usually charged back to the manufacturer, albeit at a very small margin.

[Hahuahin]

What is considered the best way to pay for a new car (in Thailand) Cash or down payment and thereafter monthly payments? I can get a Thai to guarantee but hesitate to set my self up with debt which totally also make the car more expensive at the same time most people say they get less discount and service if choose cash payment! What is your experience?
hahuahin

Why would the payment type make any difference to the service or warranty? Dealers do not finance cars themselves, in fact I would imagine most, if not all, have a "floor plan" provided by a leasing company, or a Bank. They do not "own" any of their stock.

They MAY get a small commission from a finance company if they write a hire purchase sale, but their profit margin comes from the manufacturers dealers discount. Warranty work is also usually charged back to the manufacturer, albeit at a very small margin.

I was thinking "service" as in customer service not service on the car or warranty.
hahuahin

[Hahuahin]

Huh they going full N...h Ko.. a here I should apply for Certificate or Residence a few days ago (Btw, apply is not exactly correct IMO, more like pay an unofficial fee for someone writing your address on a piece of paper and share the "service fee" with one higher up on the ladder) to buy car but now you have to stipulate new or second hand before applying for the certificate so if you plan to buy new but get a good deal on second hand car, well then back to charming girls and boys. Well to make a long story short there will be no more vehicle investment in Thailand for me. They can make life difficult for me, look down on me, trample on me and slander me, but they never get my thoughts
hahuahin