Had my Cayman 981 on a PCP and it ends in August, my options are...
1) Hand it back and do nowt
2) Back to Porsche Dealer for another PCP on a newer car
3) Finance from Porsche finance to pay the car off (likely high APR)
4) Personal loan (£19k @3.1%) to pay off the balloon

I’m looking to get into a 997.1 911 so need about £25k for a decent one. I’m thinking of going with option 4 as looking online I can sell the Cayman for £29k and be a little in pocket.

Only real worry is if I can’t get the loan (as bought a new house last year) my options are limited. Will a loan company take into account that my PCP payments end in August and the loan will effectively replace that payment? Or do they calculate on current expenditure?