Sounds bob on to me. I know nothing about car finance but if you did, wouldn't it be better to go to a bank and get a loan and buy the car with that. Wouldn't you get a better rate of interest?
It all depends upon circumstances.
The thing that gets me is those getting used cars on finance. Obviously need finance as they can't afford the car, car runs out of warranty while still repaying finance, goes wrong. How the hell can they expect to fix it when probably already up to their eyeballs in debt paying for the car in the first place. So they're then left in a bigger money pit that they were in in the first place.