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So, if you want to stay with the manufacturer, you're just pre-paying some equity into the next car, and perhaps you'll get a lower monthly premium as a result. But it also makes the monthly cost much higher and starts to make leasing look much more attractive. You can reduce this cost a bit by putting in a larger deposit, so less of the depreciation is incurring interest but you're still looking at double the cost over the same period. I'm guessing they've probably got some lower APR rates up their sleeve if you push, but even with 3.
If you take that budget to the leasing market, you can get some much more exciting cars than a Golf R, the only reason I wouldn't get the leased Golf R is that I want the DCC, it's annoying it isn't standard but I'm not going to pay double the money to get it. Has anyone ever managed to convince a manufacturer to improve on the final value, if you could get that up and the APR down, with a bigger deposit, it starts to look a bit more sensible.
Butter Face 17, posts 98 months. OFP are set by the finance house based on the start mileage, age, mileage allowance etc that is put into the system. You can normally change an OFP down at will, but there will be no capability to put it up.
Finance company set their price and stick to it. Sometimes cheaper to buy new on a PCP with the discounts you can get through c2c, DtD Carwow etc or as you have mentioned keep looking for a good lease deal. MTech posts 49 months. You can add options like dcc on a leased vehicle, will still probably be cheaper than the pcp cost. Patch 3, posts 70 months. Sheepshanks 16, posts 57 months. I found it cheaper to buy new 4.
PenelopaPitstop 1, posts 71 months. I think you're using words like lease na PCP thinking about the same, but there's a difference.
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