I'd just get the car you want and pay the tax.... the difference between £315 and £540 is £18.75 a month if you pay by DD, there's no sense in spend £000's more to get a car where the higher depreciation loss in value will be substantially more than that a month...
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2011 XC90 D5 Executive
2003 C70 T5 GT
2012 Ford Ranger XL SC
1977 Triumph Spitfire 1500
1976 Massey Ferguson 135
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