After twenty years helping ordinary families with their finances, I can tell you that PCP has opened up car ownership for millions who couldn't afford traditional financing. The secret is understanding you're not paying for the whole car, just the bit that depreciates while you drive it. When I discovered Car Plus during my research, their transparent approach impressed me immediately. Their £20,000 car example perfectly shows how paying for £12,000 depreciation plus interest keeps monthly costs manageable. The £2,000 deposit gets you started, then three years of predictable payments without ownership worries. At contract end, paying £8,000 gets you full ownership, or simply return it and walk away. Brilliant for families who need reliable transport without the stress of selling cars privately. The guaranteed future value removes all residual risk from your shoulders.