Hi guys, yes the answers on here have been really helpful, to 'upgrade' to the lounge is £2,000 on top of the cost price for the POP and at least £300 a year more to insure which being a 21 year old in a not fantastic postcode I'm already looking at just short of £800 to insure a POP.
I appreciate the people telling me to go for the Panda, but I'm afraid if I'm going to go for a brand new car I'm going to get something I want. Perhaps call me superficial, but I would much prefer to be driving around in a pretty little 500 than a Panda.
I am definately going to go for the PCP with the thinking I will take out a loan in 3 years to pay my balloon payment. I'm going to leave off the alloys and take the risk that when I come to sell, there will too be another woman like me who a wheel trim is a wheel trim to.
I have used the Configurator on the Fiat website and for the POP with the Volare Blue, Ivory Ambience, Blue & Me, Leather Steering Wheel, & Leather Gear Stick is £10,385 which is still less than the Lounge and around £800 to insure.
I spoke to a salesman from a garage last night and he didn't seem to think I would have any problems in getting finance on a 500 POP for £130 a month with minimal deposit. The only thing he did say was to definately not hand the car back after the 3 years because Fiat 'guarantee' that after 3 years their valuation is what the car is worth, I'm looking at around £3,500-£4,000 but if you look on the internet at 3 year old 500's they are selling for £6,000+ so in effect I would just be giving the finance company £2,500 for nothing! Please correct this if anybody disagrees.
Sorry for the essay, thanks for reading if you're all still awake after this amount of text!