If you take finance with a VW contribution and cheap service pack, when do you pay off the finance? Just signed an agreement and pick up the car tomorrow.
There is some suggestion that you can pay it off before 14 days, but I was considering paying off the bulk of the agreement (£20k of £22k) then settling the last bit in a couple of months. I pick up the car tomorrow and go off on holiday next weekend so need to do any business next Friday.
Benefits I have got are the £1k dealer contribution and the cheap (£149 two year servicing pack), so don't want to forfeit anything.
VW won't let you finance less than 70% of the RRP of the car (discounts achieved will be considered as deposit paid), If you want to pay it off, you'll have to pay it all off, not most of it.
Your deposit contribution won't be grabbed back if you settle in full within the 14 day cooling off period, you will pay daily interest on the interim (£5-6 a day until you tell them you're settling).
If you settle after the 14 day period, there'll be a penalty payment of 2 months interest - your intentions of not settling it all immediately will cost you somewhere between £300 and £400 on a performance Golf in the early days when the interest portion of your monthly payment is at its highest.