Basically, you take the car say £11,000
then minus the deposit say £1000 = £10,000
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.