MY66 S3 8V PCP swap/keep

[Azz]

ive just hit 2yrs 2 months on my pcp, 2500 deposit, over 4 years .

when is the ideal time to swap the car the car, or should i keep full term? or hand in back in and walk away, hoping its as simple as.

what are the general thoughts on here when is the good time to swap and is there anything such as positive equity

 

[Adam14]

You won't be at your halfway point to voluntarily terminate until you're well into your third year. It's halfway on value paid not halfway on the term.

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[RichardT]

^^^ Just what I was going to say.

 

[allanmb]

I'm 3 years and 3 months in and I still haven't hit the voluntary termination point. Apparently I will in February. Handing back seems pretty easy however there are a whole host of things they may charge you for so beware. They sent me a pdf with all the charges ranging from excess mileage to decal removal, scratches, damage etc.