It's finance, they're in the business to make money.
I suppose just sit down with a calculator and work out which way will result in the lowest amount of payment(s). Which looks like option 1.
Dunno, speak with your banker or something then, or maybe have a rethink about getting the car? Surely there must be other options available with financing cars? Don't they have a variety of leasing options or hire purchase or something?
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