Thank you all for the great advice. I really appreciate it.
I didn’t realise you could extend the agreement, so I’ll definitely ask about that. If I don’t have to pay the AP upfront, I could try to save towards the car myself in the future instead. My credit card company is currently offering 0% interest on balance transfers, so I was considering transferring funds to my bank to cover the AP and then paying it off gradually each month.
I’ve been looking at the cars you’ve all mentioned. I am sure there wasn’t many to choose from 3 years ago. What about Citroen C3? I’ve noticed zero AP.