Hi tomoldbury,

Thanks for the reply.

Sorry, I'm still a newbie to credit scores and assumed they were the same over all companies. This is from ClearScore.

The APR on the website says ~4.8%. Will this change depending on when my credit history is searched?

I was thinking of a house deposit, and have thought about it significantly. However, I'm not sure if I want to be anchored down yet. Once I have the car the next step will be to save for a house deposit, and I should be able to save ~£12,000 in 3rd year.

To be completely honest with you I don't really need a new car, but I do enjoy cars and would like the new technology associated with new cars.

I wasn't aware that you were allowed to pay off car finance early? I was under the impression that it was set in stone. How would that work? Would the monthly payments decrease if I put a lump sum in every few months?

All the money is 100% legitimate. I am in a fortunte enough position to be working two well paid jobs.

Thank you for the reply!