outrun
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I agree that using a personal loan is wiser however they usually “only” go to 25k unless you secure on another asset which I wouldn’t do unless I had to. Interest on pcp or lease purchase is around 6% from a decent broker, far less than the 9.9 standard at thieving dealers. 0% is never truly that as the commission is paid to the finance supplier by the dealership in lieu of commission earned by the charging of interest. In effect that cost is passed on by a higher purchase price than you could negotiate on an interest bearing deal.