I had 3yrs 8mths, on the 6 but was putting extra money on it, due to a good price at the beginning and some work bonuses. Ended up paying it out early partly due to a dire need to drive something a bit more wow, the GFC meaning cars were in overstock...and also it was easier for my wife to deal with daily baby crap with a slightly bigger car....so I got the Skoda earlier than planned....the 6 still has warranty, (4yrs) would have liked 4 on the Skoda as well, but no hope on that. Might see how things are at 3yrs, but we have a house now and probably another baby by then.

The longer I leave it this time, the more $$ in tax returns and the bigger deposit next time. Paying out early doesn't give as much tax breaks I've realised and I'm on a low rate due to the GFC as well.