Q. Am buying a new car next month and will be borrowing. Personal Contract Plans (PCPs) seem to be all the rage but don’t really understand it – is it the best way to borrow or would you use a bank or credit union ? I have a Audi 3 to trade in – should be at least 50% of the total cost so the borrowings won’t be a burden. Thanks for your help – enjoy the column. Damien – Gorey Co Wexford


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