[Blackbat]

I'm coming to the end of my PCP contract and weighing up whether to keep my current 2018 118i M-Sport.

I'm siding on taking a low interest loan out to pay off the pcp balloon payment (approx £11k), but I was keen to know whether the car is likely to depreciate significantly faster after the 4 years of ownership mark, now that BMW services are not a requirement etc etc. Or is this just a myth?

Low mileage of only 20k. Only driving an average of 5k miles a year.

Worth keeping hold of, or will I likely be paying off a loan over the next 3 years for a car that will be in negative equity by the time it's paid off?

Hope that makes sense, and I'd love to hear your thoughts.

Thanks in advance.