TBH you wouldn't get more than 6500 in part exchange as they have to make money on the car when they sell it. Bank loan would definitely be cheaper. That finance quote takes the p*** though, maybe they made an error? I know there's going to be interest but at 325 for 5 years, that works out as if you're paying back 19500 for a 14000 loan. 5500 interest is a bit steep!!