The 0% PCP are pretty good deals.
My wife has a new Mazda on PCP and as somebody has said, the monthly payments for the 3 years are paying off the depreciation. The winner for us that the balloon payment is about £2500 less than an equivalent used 3 year old model. So she gets a new car for peanuts each month, then gets to actually buy the car under market value, a car that's done minimal miles and was the exact spec she wanted.
Plenty of people said they didn't think finance was great etc, but before this she had a string of used cars that either needed big repairs or lost value at resale time. She was losing about £1500 a year on cars that were 6-7 years old anyway so PCP made perfect sense.
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