Not done it myself, but I know a couple of people who’ve got these and got into problems with them especially with the over mileage and little dints - regardless of whether it’s your fault, you’ll end up paying for it quite expensively. Worst thing is the hit if you don’t have “gap insurance” which seems to result in you getting potentially hit very badly in the event of a writeoff.
Best having a look at this MSE page which seems to sum it up quite well:
moneysavingexpert.com/car-fi … t-purchase