Why you should finance any extras when buying your car

Posted by Brendon Carpenter on 17 May 2018

Why you should finance any extras when buying your carPerhaps financing your car’s extras is a dilemma that hasn’t hit you yet, or maybe you hadn’t considered the options when shopping for your car.

This decision can only be made based on the type of car you’re looking for, and by that we mean if you’re planning on buying a new car, which you might have the intention of selling later, or if you’re buying a pre-owned car.

Unfortunately, the latter makes fitting these extras a bit more difficult because your car may have to be sent to a factory to have all those optional extras added. As you can imagine, this drastically increases the price of your pre-owned purchase.

So, the former seems like the best option to have extras added. Also, if  you plan on selling your newly purchased car in the distant future, those factory-fitted optional extras  may allow you to negotiate a better resale value for your car.

It’s important to know which optional extras to choose. Too many and you might alienate potential future buyers because of the car’s ‘one-of-a-kind’ specs. Too few and you might not get as much as you had hoped for. It’s best to aim for the ‘sweet spot’.

So what extras, when fitted on a new car, will allow you a better chance at negotiating your resale price? This selection is best described in an Autotrader article using the following categories:


The options that offer you an upper hand when it comes negotiating are those that improve driver comfort and convenience. The two major comfort options that add great resale value are a sunroof and automatic transmission.

Even though most drivers agree that they don't commonly use the sunroof, nearly all shoppers expect it - especially on high-end models, or high-end versions of regular vehicles. Unless your car is a high-performance sports car, an automatic transmission will certainly add value to the used-car market.


Anything that improves  performance can increase resale value. That's because car lovers are often willing to pay extra for a high-powered model, whether it's new or used. So choosing a high-powered engine can often earn a great deal of money back on your purchase. It's important to remember that this generally only applies to performance cars. Opting for a six-cylinder engine on a smaller engine is unlikely to have the same effect.


This doesn't include spoilers or sports kits, which in most cases do almost nothing for the car's resale value. However, if you are looking to pay for a stylish extra that will benefit  you, consider alloy wheels. Alloys can have a huge effect on a used car's price, as many used-car shoppers are willing to pay more for a vehicle that looks newer and more expensive, thanks to those shiny rims. It would be wise though, to ensure that the rims you do buy are secured to the car you're buying, after all market units don’t have quite the same appeal. 


This is one category you would think would boost your car's resale value, but because technology keeps evolving at the pace it does, tech upgrades often end up being yesterday's news as soon as the car has driven out of the lot. To make matters worse, the advent of GPS on mobile devices has made on-board satellite navigation an unnecessary expense.


These items can add to your car's resale value, but it's hard to predict exactly which cars or safety items are the ones to choose. Selecting features solely for peace-of-mind would be a better option, and if you end up getting some money back when you sell, then that's just a nice bonus.

If you’re planning on selling your car at a later stage in your life, it will be these extras that will allow you to negotiate a great resale price. So when  considering your next purchase, keep the future in mind to help you decide what the best course of financing would be.

Keep in mind that while accessories can make your car stand out from the crowd and give it that personal touch, you may need to balance uniqueness with future resale value.

Looking for more advice on cars and safety? We have compiled our ultimate guide to safety on the road to help keep you safe as you tackle common problems encountered on the road.

Download The Ultimate Car Safety Guide

Never miss a post!   Subscribe to the Suzuki blog  to get all of our latest content straight to your inbox. The Suzuki blog   is packed with maintenance advice,  articles on driving safety, advice on choosing and buying  a car and   loads of articles about the Suzuki Way of Life!

Subscribe to the Suzuki blog

Topics: Buying a car

Subscribe to our blog

Recent Posts

New call-to-action

New Call-to-action

New call-to-action

Popular Articles


Suzuki Baleno

The Suzuki Baleno was launched in South Africa in 2016 as a hatchback vehicle that was more spacious than the Swift. Since then it has undergone a few upgrades and grown in popularity. Find out why the Baleno is the Original Fit!


Suzuki S-Presso

The S-Presso is a budget car that South Africans love. This mini-SUV has cheeky styling and is jam-packed with features. It comes in colours that will make you stand out in any crowd as #DoYou and take on any adventure.


Suzuki Swift

The Suzuki Swift is a firm South African favourite, in fact, it’s Suzuki's best-selling model. It’s not hard to see why this fierce little car captured the hearts of thousands of drivers around the world - with its stylish looks and cheeky personality, what’s not to love?