Yeah something similar to that one. To be honest I would say I want to be paying £400 a month max, so I'm guessing my deposit is going to have to be pretty huge? I could probably put in around 15k deposit, that's if I can go that high? Not too sure about the rate really.
Are there any other payment options I can go for other than PCP and HP?
OK cool. So assuming you want to borrow the money over 3years, £15k spread over 36months is £417. That would be borrowing the £15k you need at 0% interest.
HP @ 10.9% = £2500 in interest; £480per month
HP @ 5.9% = £1,350 in interest; £450 per month
However, I would recommend a personal loan like davc says. A personal loan acts exactly the same as a HP, except the rate is cheaper and it’s an unsecured loan rather than being a secured loan on the car. That means the car is owned by you from the start, whereas on a HP it’s only yours after the final payment.
Personal loan @ 3.4% = £790 in interest; £438 per month
In the case of HP or a personal loan, the interest charged is pretty minimal. Might as well save the money by getting the cheapest loan possible, but it doesn't have a huge impact on the monthly amount.
Personally, I say wait for a 66plate S3 with the options you want and haggle for it to about £28/27k. Try and get them to thrown in free services. Use the additional money you save to extend the warranty in the 3rd year of ownership (it will be in the region of £700 I think). Take all of davc advice on haggling. Be prepared to walk away if they cant get the numbers you want. There will always be another one!
That, or try and get one from a forum member on here that is trading in their S3 early! Save you paying the Audi tax!
If you want me to compare that to a PCP on a brand new one then let me know, but the car above using a personal loan @3.4% would be about £5k cheaper than getting a brand new version of the same car on a 3yr PCP with £15k upfront.