I am buying a new Skoda Octavia for £19,000. The dealer suggests that I fund £9500 using Skoda Finance. The deal is that Skoda will contribute £500 and give me three free services up to 30,000 miles, so I am saving the best part of £1000. The dealer tells me that I can pay off the loan as soon as I wish and would only be charged for the interest accrued. So if I settle the day after the loan I would pay a few pounds and have saved almost £1000. This seems too good to be true, which suspicion suggests it probably is. Is there a catch?