APR, how do they do it
The Wife had her new car back in September, last year, the finance being (at the time) a competitive 4% (or so) APR. There was no point in changing it, until we did a bit of digging, and found, she can have the same car (on the latest reg) with finance at 0.7% APR, this means, right from the start of the agreement, 95% of each repayment is capital, and only 5% interest, she gets the New, new one next week.
Sorry all you savers out there, but, with Mortgages at about 2%, and car finance at sub 1%, there has never been a better time to be in debt.