Advice from those with a PCP

[mudy]

Hi All
I would appreciate hearing the experiences of those of you who have gone the full term or near full term with a pcp.
I've just taken the plunge on a 4 year old x5 35d with all the trimmings on a 4 year pcp and wanted to know where I might stand at 3 years and then at the end of the agreement?
Does my having any deposit for another such arrangement with bmw rely on the secondhand market for my car being better than the balloon payment?
Any clarity or experiences much appreciated!

[Welshbeef]

Do you realise the APR on used AUC from BMW? When I took mine out it was 12.9%APR hence I settled it very quickly.

Take a personal loan it will be cheaper to the point you may actually own it outright over the 4 years with similar payments. Investigate it silly not to.