I'm about to find myself in a similar position, with collection due on Saturday. The finance agreement does include, under 'WHAT YOU MUST PAY ON TERMINATION':
..."10.6 Interest at the rate in clause 2.5 on the above sums until you pay them from the day this Agreement ends."
and
"You have the right to withdraw from this Agreement in accordance with the notices in this Agreement. If you wish to do so, you must follow the notices and you will then be liable to pay us the monies that we have paid in relation to this Agreement including, without limitation, any finance deposit allowance or any other sums or allowances together with interest within 30 days."
So that's pretty clear in terms of termination requiring the repayment of the deposit allowance.
Whereas EARLY SETTLEMENT / PARTIAL REPAYMENT includes:
11.2 We may charge a compensatory amount in accordance with laws and regulations if you wish to make payment under Clause 11.1
11.3 If you make a payment under Clause 11, we may allocate your payment against your Agreement in the following order: Interest, default charges, other costs and charges, arrears, Repayments and then any final payment due under the Agreement. We reserve the right to vary this order at our discretion."
Toyota23owner - you're right: no transparency on what this actually means in practice... Guess I'll have to roll the dice after delivery. Are you able to say what interest / charges you had to pay to make an early settlement?