Cash or PCP/Finance?

[Mattallica]

Hi I am looking to buy a used Octavia Estate 1.4 or 1.5tsi in Tech or SE L trim 2017+ with lowish miles seem to be about to get under 40k ish.  I have set my budget around 15k and pay it off cash.  That is taking into account that I can trade my Zafira 2010 1.8 in for about £1500.  But the more I am looking at it the more I am thinking to just get one on finance with maybe some warranty remaining. I haven't had a car on finance for years and I don't know what the best deals are out there at the moment.  I am happy to keep the right car past the initial finance period.  Having a new car every 3 years doesn't really appeal to me.  Any advice would be great into whether it's better to stick to my original budget or go finance and get something newer with some warranty. I have read something about skoda finance where you get mot and services included? Are there any deals at the moment worth me considering? Thanks for any advice.

 

Matt