Every scheme seems to be different & some folk think the way their employer runs it is the only way.
I've bought 3 bikes through the scheme, but dont think I'll buy another.
The first was 18 monthly payments & no final payment
, 2nd was 18 monthly payments + another 1 to buy the bike & last time, again over 18 months, but then had a final valuation figure based on my answers to 3 questions, a) how often do you use it, b) has it ever been serviced, c) what condition is it - Very good, good, average, poor or very poor
I was worried I would have to pay a few hundred £ but in the end had to pay £85 on a £1200 bike, so wasnt too unhappy.
For higher rate tax payers its probably still a good scheme, but end of season sales & 0% hp/credit cards may be just as convenient