Paying outright isn't always an options for everyone. I for one don't have £21,500 to spend to purchase it outright! However, doing an options deal gives me the ability to purchase a car I really want, but to fit within my finances. I know I won't be possibly keeping the car in 3 years (at the end of the deal), I can ditch it or trade it in which is the most likely thing.
Some people are saying here it's cheaper to get an independant loan. However, I've had to limit myself to the Options deal as I cannot pay anymore than £300/month within my finances. I could go to £400/£500 a month, but for me, it would get uncomfortable.
For young people who aren't on £30k+ salaries or are starting out on credit based financed schemes, it's the best way to do it. For me anyway
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