My only concern with vehicles with a very large advance payment being on the Scheme is that they can tempt people to over stretch themselves financially or get into unnecessary debt.
That’s a fair point, I’ve heard a few people talking about borrowing the AP and repaying that over 3 years. I can see sense in doing it the other way around (save 1/36th of the AP each month and you’re ready for the next car) but in a world where debt is too easy to come by and waaay harder to pay off if things go pearshaped, it’s a risk.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark