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Quote: Originally Posted by goodingm (original)

PCP can be a bit high on APR against loans but they do have advantages , like you can get a higher spec car for a lower monthly payment and once you have paid 50% of overall price you can just hand the keys back and walk away , so gives some flexibilities that you do not have with other personal loans.

you can do that with hp too - i did it on a fiesta that i was in negative equity with before my first mini. one thing to watch with pcp is the excess mileage charge which can be very high in some cases