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in general, the "extras" offered with PCP are funded by a kick back the dealer gets on selling the finance to you, so if you don't intend to utilise the finance for more than a very short period, i'm guessing that they'll have clauses to claw stuff back on early redemption - obvs check the small print.
in your situation, i'd probably be straight up and ask for the best price they can do for cash purchase.
ChasnotRobert
@M4xime
Looking to purchase a car at the end of the week from a Skoda Fabia Estate dealer in Weston Super-Mare and they put forward what sounded like an interesting offer via a PCP with lots of addons like £750 towards the deposit, 2 MOTs, 2 Services, 2 years of extra warranty etc ...
However, I have like zero trust in what they're saying so looking for confirmation on whether or not it would be good to take advantage of that deal. I have the cash to pay for the car outright and would be looking to pay the PCP at the end of the first month, literally getting it for the advantages rather than the finance. Is that possible?
I've read a bit about PCP and seems like that's really not what it's built for and they have early repayment fees, "balloon" payments at the end etc ... which make me think it might not be worth the hassle ...