Plus you have the value of the car if you decide to sell or part-ex it rather than just hand it back.
To be able to do that you’d also need to pay a final installment of around £11,000, Dacia PCP site is down at the moment so can’t get the exact figure.
Please excuse spelling/typos. Apart from being a clot it turns out I had one on my cerebellum that's now causing various problems!