WaterMelonMan

......... and the 30 days is interest free credit as well !

I took a stock car with very near specs and had options retro fitted by dealer (reverse camera, front sensors, tow bar). Discounts and delivery were better but retro fitting does have compromises (front parking sensors button not in factory fitted position, no visual display) but I was happy as saving time and money.

Interest would not be payable on any deposit paid, I would not be very happy if I paid interest on money I had given them! But agree totally with the paying off PCP loan with a cheaper bank loan (I did this @ 3%) only downside being you are not guaranteed the value of car like a PCP deal at end of loan term.

I believe "Add Charges" IS the interest on the total loaned amount (OTR price less deposits & dealer discounts), presuming this is a PCP quote Are you calculating the 'balance' to not include the Balloon / Final Rental at end of term? You still need to pay interest on the final payment / balloon all the while you have the car.

Works if you Copy & Paste link.

.... ^ This - just be sure to notify skoda finance within 14 days (the cooling off period under the consumer credit act) of the inception of contract if you do as it saves quite a bit in any accrued interest.