I bought mine straight, using BMW finance.. Cant remember the rate now but it was a lot less them PCP.. I just couldnt get my head around PCP, yes the payments per month were less than straight finance, but I would have needed to find £18,000 or hand the car back at 4 years!! Just doesnt make sense to me.

As it is now I`m 2.6 months in to the finance and I owe £11,000 (got settlement figure the other day).. So I defintiely made the right choice.

However this time I`m thinking about leasing a car, because i`ve worked out that I have lost more buying this car than if I had leased it. I know the car isnt yours with a lease, but lets be realistic, is a car like this ever yours, do you keep it long enough to make it yours? Everybody`s different but I might bank the money I make from selling my car and lease the next one.

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X5 3.0D 2003
Mods:
Webasto telestart remote kit
Aluminium running boards
Tv in motion & Aux input lead, Ice>ink to Ipod 3g.
DVD rear headrest screens and dvd sytem integrated in to main tv system via aux lead (watch tv or dvd in front and back)
Homelink Gate Opener, Chrome Grille Kit, chrome tailgate handle, Chrome Guage Rings, Tunit V-CR 086
Standard:
Bluetooth, comms pack, sat nav, sports pack, sports seats, dimming mirror, electric folding mirrors, memory seats, heated seats.