Why Not Use Peer-To-Peer To Fund Your Annual Season Ticket?
This sounds like a classic application of peer-to-peer lending, where you use a loan to finance an annual season ticket. Paying for a season ticket in one go, has advantages in that you can buy a Network Rail Goad Card too!, outlined here.
Obviously, you will need to get your finances right but a web site called Commuter Club, thinks it’s worthwhile doing.
The company has also got a write up in the FT.
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The Anonymous Widower 
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