To be honest, I am swaying away from PCPs. I bought my 3 on a Lease-Purchase which is the same as a PCP without the guaranteed future value (and thus lower APR), and when my wife bought her 1 series, we just went for a longer term loan. We tried Marks and Spencer finance, and their car purchase thing basically came down to a longer term loan, so we ended up just going for a bank loan and getting an even lower APR.
I've had experience of PCPs in the past and I don't think they're as good as the dealers make out! You're lucky if you can maintain your deposit after 3 years.
Just my £0.02! ;-)
Drives: BMW E90 325iSE
Jet Black - 160 Wheels - CF Splitters
Manual - Sports Seats - Anthracite