I spent £1000 on a hardtail. Paid it up in 12 months, and now I have “options”
I can hand it back (you are joking)
I can pay £70 hold onto it for three years with nothing else to pay
I can start another scheme right away
Now for me cycle scheme is fine if you want the latest and greatest with a bit of cash off. But if you go to your LBS, they will almost certainly be able to sort you out with a cracking last years model, for a third off and on a 0% finance as well. That way you miss out on all the cycle scheme crap, which is really not suitable for purpose any more.
In my humble(very) opinion.