My st is on a pcp.i change my car every 3 years as it suits me but everyones circumstances are different eh? Traded my 10 plate zetec S in and because I look after my cars it made around £1500 over the mgfv (minimum value) and I put around £900 extra towards it.mines £245 a month.i dont care what the baloon payment is as by then the 3 years will be up and that should fall in line nicely with a new 2016 new shape ST hehe.if you have £17999 for a new ST 2 good luck to you.i havent so this suits me.i can afford to change every 3years.let some other mug have the depreciation I wont be paying for.works out the same in my opinion. New car every 3 years on a 4.9% apr.sounds ok to me.i got the climate control orange paint and diamondbrite free too.dont pay what theyre asking.ive never done