Theoretically no I don’t think its a discount but maybe wherever you heard it from, they meant that obviously if you pay upfront you don’t pay any interest over a period of time. I asked about both options, and I think it worked out if I paid it over 3/4 years id be paying an additional £700 (approx) in interest. So I just paid it in full 🙂 Hope that makes sense? Haha xxx