When I bought my Macan in 2019 I used Porsche for PCP. I did go down the route of looking at at third party finance companies suck as Oracle and Magnitude. No one could get close to Porsche in price per month which was my main goal as none of them gave any where near Porsche for the GFV. I believe it was 6.9%APR with Porsche and third parties were similar APR, they all started with 6 on the percentage for the APR. It may of changed now so can't comment on APR rates today. So I think it really depends what your goals are to achieve, whether that's overall cost or monthly figure etc. If you want the cheapest overall cost then a bank loan is the way to go.