Nothing will beat the scheme on price due to the fact they not paying vat, for example on a 25k car thats 5k making the car 30k off the scheme.
When you compare two different cars an astra and a cla, imo it don’t give you a fair comparison, I do get the cla is not currently on the scheme and is the car your looking at. So it’s not as if you can compare it like for like, but comparing it with an astra would give you a better comparison.
A few other things to consider are you can get the used car now with no wait and after 3 years it will have some residual value, where as a scheme car will not. Only mbo will make anything from it at the end of the lease and you might get the car you want and suits your needs over one that doesn’t as choice on the scheme is rather limited.
I am not anti scheme just trying to be informative.
Personally I’m paying around £120 a month more than my alowance but if you add the last ap I paid it would be less, largest i paid was £1600 so was around another £44.44 a month over the allowance.
I did opt to go for a new car as then i get a 3 year warranty, but after I’ve paid off the car it should be worth around 40 or 50% of it’s original value. That isn’t the case with getting a car on the scheme. Even if it’s lower than that 1/3, It still should be part of the overall calculation imo.
I actually got a 0% hp deal, which really did make a huge difference on the figure’s and the car arrived in 4 weeks.
If I keep this new car for at least 5 years at £25k 5(£64.50 (pip) x 52)= £16,770 plus add the min i think it could be worth (1/3) after 5 years £8333 is £25,103
Also pip will increase yearly so that’s another added bonus not in the calculations. Also if it’s worth more like the 10k/12.5k as predicated, that more than covers insurance and servcing etc. So really the extra i am paying i have in the car at the end and Imo is not really costing me more than on the scheme, although i am paying more.
If i keep it for longer or sell it that’s when it will pay me back over the scheme and for me that works as my millage is less than half of what it was. If you do high millage the scheme is great as it offer’s 20k mileage a year.
One thing the scheme gives you is piece of mind but right now for me it works leaving the scheme and not having to worry about what car next in 3 years and how much ap it will be or if what i need is available, as we move towards 2030 and not having offroad parking. Who knows what will happen, it’s an unknown factor that off the scheme i have control over also.