@mike Not quite true, if it’s worth less you can walk away without paying anything. If it’s worth more you can pay the value stated and take the car.
They set the values deliberately low so you are encouraged to use the excess value as the deposit on your new car with them.
But by saving up the balloon payment you can buy the car and use it as part exchange somewhere else if you want. Or keep it
Also, I found the repayments on pcp were much less than an equivalent personal loan on the full value of the car.
Just wondering if you’re aware of Masai Barefoot Technology and their (very pricey) shoes. It might be worth a browse on their website.
They take some getting used to but they are very good.
@mike That’s a really interesting site. Thanks for the posting the link. That sort of shoe might well work for me so I will investigate further.