consider max. deposit, minimum final payment - 35% and 15%, so you are not stung at end of deal.
check Reno finance carefully - I saved about £1000 by asking for all extras like Gap Insurance, Tyre Cover etc. to be taken off (OK if you have a decent deposit, so that your car is worth more than any outstanding credit!).
I went for £3500 deposit, £200pm and £1500 final figure - the cars mine and ALL paid for in 2 years!
I also saved £1200 off list (found best price on internet and got 5 dealers to knock £100 a time off by phone under the pretence of buy today, then simply walked into my local dealer with best offer and offered deposit NOW if they beat by £50)
Got a dCi 80 with air & metallic for £10100 including all credit charges in June 03 (list was 11K, import £9700+ fees)
have you even tried/considered a dCi - a 1.2 driven v.carefully will only do 50mpg - my dCi does 72 or 60 driven HARD!
even the 65dCi is nippy!