Problem being with lot of these plans is they restrict mileage, and there are return conditions etc....which can be costly. Depending on how the money stacks up I'd go with straight HP myself. You own the car, you have the benefit of owning it at the end and no stupid conditions.

Been in the finance game for 22 years, and you'll never just give the car back at the end of the term and walk away....doesn't happen.