thanks all - will take a look!!

I'd like to add to that if I may and say that if you didn’t want to opt for a personal loan and want to look at alternative options, Bank of Scotland/Freeway will allow you to lease a wide selection of cars on their PCP scheme from as little as a 1 year term with a guaranteed future value at the end of your credit agreement. Hope this helps!

The AA is offering a personal loan at 5.8% where the first 3 months can be deferred.

Apart from M&S does anyine kjnow of an unsecured car buying loan which allows a deferred payment. There used to be lots of these from Allinace an leicester and others. They work a bit like a PCH or PCP with a baloon payment. For the loan you take a loan on a certain amount (for example 10,000) and some of this is deferred to the end of the loan period (for example 3333) at which point you can euther take out a new load for the remiainder or pay it off in full.

This seems like a great and flexible idea but I do not have anything to compare the loand against. basically I woudl like to purchase a car but probably change it after 1 yesr. With PCP, PLH, PCH the loan provider 'owns' the car until paid off in full so to change to a differnt car is not practical. With deferred car loan you own the car so it seems to fit my needs better. Since M&S seem to be the only provider I do not have anything to compare against.

ALternativly anyone know of a personal lease firm that has 1 yr leases for prestige/sports cars? (sorry if this is the worng part of the forum but i dont want to cross post!)

Many Thanks L