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Tenderloin-
It varies scheme to scheme, employer to employer, salary to salary.
Last time I did cycle scheme if I had paid the final payment it would have been same as full retail.
The 3 year extension meant I saved about £150-200 that was on an 1800 bike.
You’re higher tax band right? What happened at the end of the year?
TM
The saving is paltry in most cases anyway when you account for the “taking ownership” fee. Interest free finance or credit card makes just as much sense unless you’re on a baller salary.
That blue one looks ok but lots of old bits that are much less nice than new bits (cranks especially and brake levers I expect).