Second recommendation for the PCP.
Most new cars are available on a PCP with an attractive APR too, used cars up to about 3 years old are also eligible, depending on mileage.
After the 2 or 3 years that you sign for, you can give it back, buy it, or sell it/trade it in, anything above the guranteed value is yours to keep. As long as you stick to the agreed mileage and look after it, there’s no risk.
If you go for a lease, they are not designed to be ended early, so if your circumstances changed, you’d be stuck with it.
A PCP is just like a normal HP agreement with an offset final payment so you can settle it whenever you wish. [/car sales manager mode]