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Handing a PCP car back...

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Hi all, I've had my Citigo for nearly 2 years now- contract is 42 months. I've got a 3 door sport and have just had a little one so something larger/with 5 doors is needed.

 

I'm trying to work out the earliest possible time I can hand the car back without having to pay thousands to settle my agreement.

 

How would I go about working it out? I know how much I've paid off, know the current amount needed to settle but I assume there is a value of the car in there somewhere that is added to what I've paid to work out what is left? The minimum future value doesn't come into yet does it?

 

Thanks for any help

 

Sam


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