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She did pass the credit check, and now she has to make an initial payment of £1200. After that, she will have to pay £115 a month for the rest of the year. She also has to pay for car insurance, maintenance and petrol. She’s a bit worried about using it too much, in case she gets charged for extra mileage – which she would really struggle with on her tight budget.

At the end of the lease, she will have to decide if she wants to buy the car or return it – which would mean the car could cost her more to purchase than if she bought a second-hand one outright.