[propus]

I'm confused, doesn't all this mean that at the end of the term you will 'hopefully' end up breaking even. Either by trading your car back in or selling private in order to meet the huge final payment?

Plus in the first example the credit (plus costs) is costing 6.5K, thats a heck of a lot of money for not owning a car at the end of it!?

Or have I got the wrong end of the stick?

Dealer offered me three or four deals trying to beat each one when I said no because I could find finance myself with the same monthly payments for a year longer, but with no final payment of about 10K. Plus at the end of it I would now have only paid about 3k in interest and own my car outright.