Just a word of warning. Be very very very careful if you ever want to ever consider taking out any form of credit deals with shysters Lexus of Guildford.
You'd think they would like to keep me as a valuable customer, wrong. I have had 3 Lexus cars from them before on PCP plans without any problem. Whilst they only were IS200 (2) and a RX300, my present car is an IS300. I had finished all of the PCP plans prematurely and upgarded to new Lexus', no problem. I was thinking of downgrading to something more frugal, not a Lexus of course. I was over half-way through my plan, and as Lexus kept telling me before I could return it anytime and walk away. NOT THIS ****** TIME. They told me to ring the Finance Company, which I did. They said I could not cancel the agreement at all. It was on a HP agreement with a balloon payment, so even at the end (Sept 2009) I had to sell it myself and pay the balloon payment. THERE IS NO FRIGGING WAY I WOULD EVER TAKE OUT THIS SORT OF AGREEMENT. They have misled me because they are shysters and certainly do not value my custom. I would never ever buy another Lexus if it was the last car in the universe. I asked the lying salesman two weeks ago, and he said I could just give it back and walk away no problem, he did check with another lying git, the finance manager