What do they have the car advertised for?

If you decide to go for it your basically signing up to spend over £13k on a car but are worried about finding £161 A month. Sounds like you're going to be stretching yourself?

in 4 years if you haven't got 4.4k you'll likely end up using it as a deposit against another pcp deal or similar and the never ending world of constantly paying £££ every month.

most people get bored and fancy a change by that point too if not before so it's unlikely you'll want to put 4.4k into keeping it, especially as a 5 year old fiesta won't be worth a great deal