I got some Agility quotes for an A45 last week. The two key ones being: £550/mo for 36 months - £8900 deposit with balloon of £18400 £550/mo for 48 months - £6960 deposit with balloon of £15050 If I get sick of the car, can't afford it, etc. in a few years, voluntary termination at 50% of the finance agreement is an option. But that works out at roughly 35 months into a 36 agreement so.. kinda pointless But.. on a 48 month agreement, I get numbers of (48 * 550 + 15050) * 50% = £20725 - or roughly 38 months into the agreement. So going for the 48 month agreement would be a £2k lower deposit but I could still "exit" at just over 3 years if I really had/wanted to (though I'd like to own it longer than that). Other than the usual issues about having a VT on your record, am I missing anything major in this logic? I suspect I am because it just seems obviously more desirable to go for the 4 years, have a lower deposit, but still get the freedom to leave the agreement after just over 3 years..