Danny-B
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They can only charge you interest on the loan on that first months cost @ 10.8% so whatever that works out to be. Payment is easily done through their automated phone system, i thought it was going to be difficult but it was quite the opposite to be honest.
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i went through this process and did the PCP deal on the Friday and asked for a settlement figure on the Monday and paid off the car that week. Servicing plus the extra years warranty cost me about 350quid which didn't seem too bad. It may differ depending on the cost of the car and the PCP you're taking out.