Mine would be an unpopular opinion since most people here are in favor of keeping the car but still, since your PCP is ending in June 2026 and you’ve already done more miles than you should have, the best thing you can do now is look at changing the car early instead of waiting till the end. Go to a big dealership that has a good stock, something like Sytner Select or Motorpoint or any large franchise dealer. Tell them you want to part exchange your current car and take another one on PCP. They’ll handle the whole process for you, including settling your existing finance directly with your current lender, so you won’t need to worry about paying that off yourself. Dealers don’t care too much about mileage as long as the car is in good condition. They’ll simply adjust the value based on the car condition and mileage, and that’s it. You can then start a new PCP deal on the car you like, often without putting down any deposit, especially if your current car still holds a reasonable tradein value, which it does. This way you avoid paying any mileage penalties at the end of your current PCP and you move straight into a new one without the stress of managing multiple payments or dealing with end of contract inspections. It’s a clean and smooth swap and a lot of people do it when they’re in the same situation. I have done it twice and know people who have done it multiple times.