Kim, the key here, is are you confident your allowance will continue when it’s reviewed. If not, use the benefit to fund a personal car purchase, or put it toward a holiday. The dealer has rather knowingly or otherwise given you incorrect info. The purchase price from motobility will be retail, forecourt, price, and with no warranty. When you hand it back, its not that easy to buy it from a dealer, it could be sent to auction, there are lots of unknowns. Its very easy to be sucked into a shiny new car, but the scheme doesn’t suit everybody, as if you lose your allowance, you have nothing to show for it. The used car market is on fire at the moment, making a decision even harder. Be careful, adding extras, and paying high AP.