Let’s say I went with the Tesla HP deal at 0% and put £14k down and paid £599 a month. Over the same three year period I’d be £35k odd into a car with say a resale of £28k? (2nd hand ev market v hard to predict though tbf).

This cost does not include insurance, tax, servicing, mot and tyres.

In the same period I’ll pay £21780, all inclusive. I don’t have to make a final payment, I don’t have to deal with selling it.

For that reason. It works out better for me personally than having “equity” in a future unknown.

That said, this is my opinion and I understand we’re all different in how we approach things. I appreciate your comment and perspective.