You should be able to pay off the finance in the first few days, you'll incur a nominal interest charge of a few pounds. Not much really, VWFS tend not to pursue customers for deposit contributions when they exit the finance agreement.
Let’s make this clearer. As discussed on here and as experienced by me and many others, you
can pay off the finance in the first few days. You
will be charged the interest
due for those few days. VWFS
will not persue you for the deposit contribution.
The dealer who sold us my wife’s car was (almost) embarassed when I asked him about it. They will not draw your attention to the possibility of doing this, but it is a function of current finance law that you have the right to terminate the agreement, whatever that agreement includes. The guy later admitted that he had done the same thing himself for his parents!