My personal opinion is that if you want to buy a car on finance and end up paying 20k and been locked in a 4 year deal you must really really like the car. The point I'm trying to make is that that I see loads of people buying new clios on finance, and then something happens (4 years is a long period) or they get bored of the car or whatever, and they sell it (or trying to sell it) loosing big money.
Personally I'm absolutely fine by that because people who buy new are the reason 2nd hand cars exist
I'm just trying to let you know (I'm sure you know it already) that if you buy a new car be prepared for a big depreciation. You can always buy a 200 with good mileage, relatively new for around 11k and let another person pay the huge depreciation. (Bear in mind that new clio is coming out).
It's a massive difference but this is only my personal opinion, you obviously know better
I've bought an R27, very good money, I won't ever sell it, owned it for a year, I haven't done any mods whatsoever and still love it to bits! Serious love in the air
I would just simply refuse to pay the massive depreciation hence the 2nd hand car
Good luck with whatever you decide. Either or, you'll love the clio big time!