In reality there is not usually any time in particular that is better to tradein, its worth what its worth when ever that is. Certainly with a pcp unless you put down a large deposit you will be in negative equity till your agreement comes to an end, I know that valuing a car at the moment is a bit unfair on customers as all we will do is say right it dropped £400 last month ok lets multiply that by 6. When it usually doesnt work like that in reality as some months it wont go down and it might go up a few hundred quid. Best to leave it out the deal until the end really as you always have the option to hand it back anyway. Dealers will always crave after 3/4 year old decent privatley owned cars. Especially if it has been freshly serviced at the end of the PCP : ) Then at that point its all about desirability of the car you bought initially, certainly any diesel golf se,gt (has to be 5 door) or gtd/gtd(pref 5door) will always be good news every day of the week.