Used car finance (EV) - PCP vs Bank Loan

Just looking for some thoughts to help me make a decision.

I'm looking at buying a used electric car at what I see is a very good price.

I initially went with the intention to buy it outright but speaking to the salesman they made some good points regarding PCP.

The interest on the PCP would be 10.9% which I know is a lot but as they said the advantage would be to protect the value of the car at the end with the uncertainty of the next few years in the EV market.

I would also get roughly £6k back instantly for selling them my old car. I would invest this in my stocks and shares isa.

My other option would be a bank loan with 5.8% interest rate but then would the future value and depreciation would be uncertain.

Any opinions would be greatly appreciated!