I've got the car on order so trying to find a 3rd party PCP supplier - I have a quote from Oracle Finance, but the major issue with it is that there is no GFV on the car, so I have to decide if the balloon payment they have given me (approx. £28,000 after 4 years @ 10K) is going to be more than the value of the car and I have a hole to get out of) - my initial thought that the car only depreciating £5K a year is very optimistic
What is your intention at the end of the 4 years? If you want to hand the car back a high GFV is perfect, you walk away and the finance company have the problem. If you want to keep the car then why do PCP in the first place, a traditional loan over a longer period aka HP would be a better option.
If you are somewhere in the middle and aren’t sure then the PCP can work providing you can find the GFV at the end (and decide to keep it of course). That could be by saving up or refinancing the GFV - or a combination of course.