It’s all about perspective, I think what people struggle to understand is you pay similar amounts either way you do it. If you put in a smaller deposit you still pay a similar amount over the 24/36/48 months compared to if you put in a bigger deposit, a larger deposit just means you lower your payments over the term. You actually pay more over the term if you put in a smaller deposit at the start as you are being charged interest on the remaining balance which is obviously higher... I chose to buy my S3 outright because I’m not aware of any investments that would save me the amount of interest I’d be paying on a PCP. Although I’ve taken the risk that my car won’t plummet in value, with a PCP that would be the garages concern if that happened as I could just had the keys back at the end of the term and walk away.