Another way to look at it is that after three years you've effectively laid out £4100 on a car which will then only be worth about £3500, so it would be curious to know what the final down payment would be for the car. Bought online or purchased pre-registered you can probably buy it new for £6900 or a 1 year old model with <10,000 miles on it and some warranty remaining for about £5000.

Going new, you will almost always get a better deal by finding the best loan you can negotiate with the banks/building societies/online and then going in for a cash purchase either online or with a dealer who pre-registers the cars.