Ford is offering me an extra R37k discount as long as I go with Ford Options, ie deposit, 48 months and massive balloon payment (guaranteed future value). I wouldn't want to go this route but I'm thinking that I could still pay off the car when I want - so I can immediately clear the balloon value or increase my instalments that I pay, and they can't penalise me, right? In short, I'd like to get the discount but still pay it off on my own terms.