Ask him to wait a while then

trying to buy my brothers ibiza cupra but wont be able to sell the golf quikly enough you see.

Some banks still offer a flexi loan but dont know how old u have to be to get one of those. They give u an account with however much u ask for and u have a minimum amount u have to pay back each month but u can add into it aswell or take more out but If that was me Id make a payment then just take it out again so wouldnt really be paying it off lol!
I know HSBC used to do it dont know if they still do. Might need to have a mortgage etc as back up though. Could still look into that
Kinda like a credit card in a way

not on many because it's the interest they make the money from..

unfortunately not mate.

aah i see.so you cant pay off loans in lump sums to get your monthly figur down.

You would need to see how much it owuld be to repay your loan then take out another loan for the amount to cover it minus the amount u have of your own then that money is used to repay the first loan. Might work out bad for u though as the interst etc is added on for repaying the loan so u might be better just keeping the first loan going or wait till uv sold your car then get a loan for the amount u still need

if i got a loan to buy a motor over 4 years then sold the car i have and payed say 2000 of the 6500 loan maybe a month after taking the loan out would i be charged or would my monthly amouns come down or could i then shorten it to 3 years ? need the full amount to buy the car so wont have time to sell my own.