My dealer offered me 4.9% from Northridge finance on a pcp to keep my finance in house rather than take the finance elsewhere!

I wanted a PCP so if anything hits the fan for me personally, in the world or the market for SUV's ends, I wanted the option to be able to just hand back the keys.

LRFS wanted 6.9% APR minus a £1000 deposit contribution. But I was still looking at huge interest over the 3 years, so instead I went with my bank Lloyds (same as LRFS) and got 4%, paid in the max deposit of £30k cash and now aside the £100/month interest charge on the balloon (£36k) I have paid all I ever need to for the car. I can still part-ex or sell at anytime and now have the support of the finance comapny if anything ever goes wrong. (Provided invaluable with my Disco Sport). The other £36k I can now do something with ..... Gone:
2016.5MY RRS HSE Dyn
2015MY Disco Sport HSE
2011MY FL2 HSE
2010MY RRS HSE
2008MY D3 HSE