They call it an advanced payment,you pay this when you collect the car , on that day only,not before,you can see the advance payment when you look at the cars on website,every time you get a new car there will be a new AP to pay some there is non,others a lot,due to price,the advance payment is for the shortfall in car value after 3 years as the benefit payments do not quite cover total cost including tyres,service etc