thanks never though or using them … my bank were offering close to the Toyota pcp price hence I was leaning to pcp. But yesterday I took the Post Office route of a £20k loan (due to the few months delay has meant I can now put a bigger deposit down) over 5 years £350 a month… I can live with that, as it’s very unlikely I would ever be in negative equity should I need to fire sale the GR which for me is important / comforting to know.
side note I am sure when I bought my year old GT86 in 2014 with a similar deposit I think I was paying about £300 a month on finance (7.9%
) so not too much more for a new one this time!