To lease, or not to lease? That is the $1m dollar question. Whether 'tis nobler in the mind to suffer the slings and arrows of outrageous interest rates, or to take cash against a PCP of troubles. And, by opposing, lend them.
I'll get my coat - I know when I'm about to be Bard 😁

 

Somebody has been sicklied o'er with the pale cast of thought

 

Wondrously inventive response and much appreciated by the poetic sensibility of this potential Mini owner but me thinks you might have been hoisted by your own petard my friend, great pun notwithstanding at the close

PCP options offer decent interest rates (no more than a few hundred pounds added to the final payment) and the option of putting down a hefty deposit followed by two years of very manageable payments followed by an equally hefty settlement without having to pay £18k up front and thus make one feel that one has 'sucked on the insane root that takes reason (and bank accounts) as its prisoner'..

 

Fair point - didn't mean to come over all Polonius about borrowing to finance a car. I guess you pay your money and take your choice.
Or as our friend Bill eloquently put it - "If money go before, all ways do lie open".

 

The value of everything is uncertain right now: fossil fuel for all the obvious reasons, electric because a battery breakthrough will murder the resale of every 99-ish range car like the MINI.

While nobody openly admits it, that sort of range will at some point be viewed as restrictive and crap. Leasing transfers the responsibility of impending crappiness to the finance company.

As well as considering purchase options very carefully, I would consider transmission choice carefully too. Not only are manuals about to be forced into a long overdue retirement, demand for their replacement will only ever increase because today's autos are superior in almost every conceivable way.

Look at acceleration, economy and pollution in the table below where DCT figures are [bracketed]

We have a DCT and it is the most compelling choice for most circumstances.

 

It all depends on what reasons do you want to get leasing. If you're going to keep the car for many years, then buy the car. If you don't have the whole sum of money, you can quickly get a loan from remonttilainaa.com. In other cases, leasing is the best option if you want to get the car for a couple of years, just to drive it for not a long time. It is like you own the vehicle, but at the same time, you are renting it. For example, I bought a BMW Z4 cabriolet in leasing, and I paid 900 hundred dollars a month for it.

 

What's the best thing to do now?

"Countdown" is on now (on Channel 4) if you're quick.
Alternatively I've heard great things about Alpaca walking, but you normally need to pre-book.