At the moment the interest rates are minisule on Pandas. Have a look on the FIAT website. You can get a 1.2 lounge on a pcp for under 8.5k ( including fees and interest and final balloon payment). That wipes the floor with just about any supermini you can buy including UP!/ Picanto and all that boring rubbish.

That was it.... buying over 3 years instead of four saved the additional £700+

Ask them to quote you for both and the quotation will show the total interest you have to pay under each term.