I'm halfway through my agreement on pcp for my approved audi a3. But because of its age/miles its done I've read its due a timing belt/water pump, which I'd rather avoid paying as I've only had the car 18 months and have driven 13k. Anyway, I never realised contract hire was a thing, truthfully if I had known I would have chosen that over a pcp as my intention was to always change cars anyway, so I have a settlement figure which is around 500 short of what they'd buy the car back for, that's fine.
Now, looking at some of the PCH deals I can get a VW Troc r line for £25 more a month. Perfect.
But should I apply for the car now before having the sale confirmed by audi, or sell the car back and fund the difference, wlak away, then apply?
My small fear is possibly getting rejected for PCH as technically the Audi is an ongoing finance agreement (never missed payments or even took advantage of the payment holidays)
Now, looking at some of the PCH deals I can get a VW Troc r line for £25 more a month. Perfect.
But should I apply for the car now before having the sale confirmed by audi, or sell the car back and fund the difference, wlak away, then apply?
My small fear is possibly getting rejected for PCH as technically the Audi is an ongoing finance agreement (never missed payments or even took advantage of the payment holidays)