Thing is I am planning to buy the car outright anyway so I am just looking at putting max deposit to minimise the monthly cost, then pay the balance at some point within 24-36 months so may main drivers are - not going silly on spec, not paying a high interest rate, and good residuals.
The way I see it with Audi as you can put down 50% its more or less half up front, pay the finance charges over 24-36 and the pay the other 50% off at the end which I am fine with.. personally don't want to be on a PCP bandwagon..
Its looking like a straight fight now between S3 and 330d to be honest they both tick a lot of boxes.. time to play them off against each other for the best trade in price and extras thrown in..