Pay the balloon with cash… refinance… or sell?

General decision support for the PCP balloon choice. If equity is negative, the engine will flag why “buying it” is often hard to justify.

← Back to PCP decision

1) Is the car worth more or less than the balloon (GFV)?

A rough estimate is enough — you’re choosing a path, not negotiating.

2) Could you pay the balloon with cash (without wrecking your safety buffer)?

“Yes” means you can pay it and still sleep at night.

3) If you keep it, how long will you realistically keep it?

4) Do you expect it to be reliable over that period?

5) If you refinanced, could you handle a higher monthly payment?

This isn’t a full affordability assessment — it’s a simple constraint.

6) What matters more right now?

How it decides

The logic prioritises avoiding common traps: paying above market value in negative equity, refinancing for short horizons, and committing to ownership when you don’t actually want the car or reliability risk is high.

General information only — not personal advice. Check your agreement, figures, and return conditions.