Yes, I agree with you that this type of credit is quite convenient. But still, like any loan, it has its disadvantages. This primarily applies to accidents where the car is damaged to varying degrees. If your guilt is proven, then your rate may increase. If not, then it doesn't change. I could be wrong, so you better talk to an expert. For example, I am comfortable working with Mortgage Broker Nottingham. One of the significant advantages is getting in and driving right away. It makes you feel like you fully own the car, and you don't even feel like you have a loan to pay for it.