They'll offer an additional £1000 discount if I take a credit agreement. I hate credit and would rather pay cash but £1000 is £1000. Obviously over the term though I'd pay more than £1000 in interest, so still, no thanks.
However, I am being told I should take the credit and repay it straightaway. Apparently I just ask the finance company for a settlement figure and bank details, send the money and job done.
Would I really only end up paying what I'd borrowed plus a few days interest though? They're adamant there's no "penalty" for early repayment, but I'm not convinced there won't be charges somewhere. Obviously I'll need to read the agreement well when I get it, but what's the norm?