Anyone own their car on pcp?

[morganscaptain]

I’m not sure if I’ve made a mistake in going for that instead of HP.

What are worried about in particular?

It depends on if you plan on giving the car back at the end of the term, or if you plan on paying the lump sum balloon payment at the end of the term.

I have one on PCP. I got it at 0% APR. I will be paying the balloon payment in April to keep the car.

My last one was on PCH. I made the mistake of not researching properly. Although I would have happily kept the car turned out it wasn't an option. Then the bastards ripped me off over a couple of small scratches.