Originally Posted by stevie996
That's my thoughts, but the vt is £6k, that's about another 19-20 payments!
VT doesn't work like that, you can terminate when you have paid half the total amount. The total amount being price of the car plus any interest. For a 4 year PCP with modest deposit (about £1000 on a £20K ish car) that should come at about month 36. Looks like you have about 18 months to go. Was it a brand new car?