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you then pay £99 acceptance fee and 36 monthly payments at about 9.5%
at the end of the 3 years, you can
a) pay off the balance and keep the car
b) give the car back and walk away
c) p/x the car for another new/used car and start new repayments.
I have my quote at home, so cannot give you all the exact figures, and Im not an excellent mathmatician, so all the above is what I got told at the weekend when enquiring about a 182.