It doesn't make a huge amount of difference how much deposit you put down on a PCP, but does increase the interest.
So you could put down just £5k, and have monthlies of £520, which is similar to the loan. The amount of interest you pay goes up further though (as you are borrowing £15k more) to about £7,500.
I just used a PCP with £20k deposit in my example to make it similar to the loan, where you used £20k of your own money and borrowed £25k.
Cool- so for me personally i have concluded the following options:
1: Use PCP and be prepared to pay lots of interest with only approx 8-10k upfront.
2. Look at a personal loan for approx £40k with high repayments but less interest overall.
3. Look at a lease and try to accept there will be NO OPTIONS.(without a price hike)
4. Look at a used PFL Rs3 only if i can come to terms with a sportback.
5. Forget the RS3 and consider an alternative car.(with a heavy heart but almost certainly a heavier back pocket)
Seems i cant follow my head and heart both at the same time......