Iab
I understand fuel costs aren’t considered as that’s the one thing we are liable for.
If you changed to a slightly more economical vehicle you won’t be saving a massive amount in fuel cost over a year.
Don’t forget about the £600 good condition bonus on return of your vehicle, i realise it comes after you need to pay any AP.
Is it an option to pay with a credit card and then pay the balance off with your AP so you won’t be laying out anything.