On top of any Advane Payment that needs paying, you will also sacrifice the mobility component of £75.75 a week / £11,817 over 3 yrs at 2024/rates, which increase each year and go to Motability.
How much would a new Kia Picanto cost with yours taken in px, which would be yours to keep for as long as wanted, with some value in it when you come to sell it!