I know that this topic has been discussed before but I am looking for some views. I pick up my new m235i tomorrow having had a 640d on a contract hire lease. I was going to set up a pcp 4.9%apr. I was going to do this as it gives me a gfv at 4 years of 16k and so more flexibility to change cars at 4 years but now I think this car might be a keeper. This makes me wonder if I should pay cash and thus save the interest charges as I will be earning a pitiful interest rate on my cash. Dealer is trying to get me to stick to pcp as they will make money out of it. Any thoughts?
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