Feel free to pm me if you don't want to disclose here.
I have been looking at low mileage S3's and for just over 10k more I can get into a low mileage RS3, but £10k is a third of the cost. I dont really do credit, the only thing I ever have on credit is my phone cost and utilities, for obvious reasons = it is not a fixed price each month. I dont even have any credit cards, no debt other than a student loan that doesnt make sense to pay off yet, etc.
Car finance has never made sense to me from a clever minded point of view, you are paying the same amount monthly for a depreciating asset. However having seen and heard an RS3 they have so much more visual and aural presence over an S3...
Hard decisions right!?
No point in asking my friends, they all tell me to buy a BMW because "Chris Harris says its better".