Manufacturers/dealers play PCPs two ways. One way is to make the guaranteed future value over-optimistic, which reduces the monthly payments (or gives them the chance to extract a higher APR on the monthly payments). The other is to make the guaranteed future value pessimistic, which gives the customer equity at the end of the contract to fund the deposit on another PCP, or buy the car and drive away in a car worth more then the final payment. Sometimes dealers operating the former scheme fund the deposit on the next PCP as a disguised discount. But if you're not getting anything advantageous out of your PCP, just hand the car back and walk away.