Scirocco Central

For all PCP gurus out there!

I Have been paying PCP finance for a 2011 scirocco 1.4 for 2 years now with the final year coming up. The final monthly payment on the plan is £5000. Is this the balloon payment I need to pay to own the car?

What would be my best option at the end of the finance? As I imagine the car will be worth significantly more than £5000 by next year.

I wasn't made aware of any mileage limits but I have covered covered about 25k in 2 years.

My PCP is similar but over four years and the final repayment was 9k and the car would 100% be worth more if stuck to below their miles limit which is 56k. Currently at 6k for a year. Cars at 22k miles.

I believe the final repayment is what it would take for you to own the car, however I'm not sure if you can then get a finance deal again on the remaining sum or it has to be a lump payment. I liked the guys idea at the dealership, He basically said trade in after the pcp is at an end.. Pay off the 5k and whatever the cars value after that use for a substantial deposit for a newer one.


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