Drop out of uni or finish the year?

I will be transferring to a different uni next year, where I will most likely restart the year as most of my choices don't allow 2nd year transfers. My two options are to either drop out now in my 2nd semester or finish the year. I was thinking of dropping out in March after I get my small bursary payment from my uni but since it will be near the end of the semester, wouldn’t it be better to just finish off my year? Apparently, I would get a certificate if I finish my first year and leave, but is this certificate actually worth getting?

There's a few factors to consider here:
a) have you gotten any loans from the SLC (via SFE, SFNI, SFWales, SAAS)?
b) are you currently in a tenancy agreement/rental contract?
c) is the certificate in question a CertHE (i.e. a formal exit qualification) or some informal certificate or transcript (to be fair, you should get a transcript regardless)?
d) have you applied already and received any offers?
If yes for a) then bear in mind if you withdraw mid-year, depending on the timing you may need to repay some or all of the most recent loan disbursement. This is worked out pro-rata so if you were just paid your newest loan disbursement today and withdrew today, you would be expected to repay the WHOLE disbursement. If you were in the middle of the term after receiving it, you'd need to pay back half; if it was at the end of the term you received it e.g. 1 day before the next loan disbursement, you wouldn't normally need to pay any of it back. So make sure you're able to do that, which brings us to...
For b), if yes you need to look at the terms and whether there is an exit clause, as you might be on the hook for the remaining rent of the tenancy agreement no matter what, or need to find a replacement tenant (easier said than done), or you might need to pay a certain amount and give a certain length of notice under the exit clause. Obviously several of these may require you to have money which if you don't have an income/savings and lose SLC loan disbursements, you may need to consider staying simply because it would cost too much financially to leave at this point.
In terms of c) if you're applying for SLC loans I would recommend you just check if it is a CertHE or similar, whether that would impact on future funding for a course due to having a qualification already. Under the current equivalent or lower level qualification rules, as the course you'd be applying to would presumably be a bachelors, it would not be an ELQ course relative to a CertHE so I don't BELIEVE would impact things, but best to confirm!
For d) if you have already applied, if you have offers you need to check if they stipulate you complete the remainder of your academic year and/or get a certain percentage result in it. If you don't have offers yet then if you withdraw now you'd need to update UCAS and all your options to make them aware of the change in your application circumstances; it's possible this may impact what offers you may or may not get. If you were intending to apply via clearing or during a "gap year" though then it doesn't really matter.

a) Yes, I've gotten both maintenance and tuiton fee loans from SFE
b) Nope, I am living at home
c) Yes I'm guessing it is the CertHE that comes with my transcript
d) Yep I have already applied. I already received 3 offers and I'm waiting on 2 more which I will most likely get as I've already achieved my A-Level grades and I meet their entry requirements.
When you say repay the loans immediately, are you talking about both maintenance and tuition fees? I've already received my 2nd payment for my maintenance loan and my 2nd tuition fees payment goes out around the 15th of February. If I drop out in March, it willl be before my final payments of both loans. So if I understand this correctly, would I have to repay a small maintenance payment?

SFE gives an extra year of funding, so I dont think it will be an issue if I restart the year. And having the CertHE certificate doesn't seem to affect my future funding.
Some of my uni offers, however, did request from me to send them a transcript of my current grades (even though I still haven't received any). Not sure why they would request it since they do not consider year 2 entries.

I will be transferring to a different uni next year, where I will most likely restart the year as most of my choices don't allow 2nd year transfers. My two options are to either drop out now in my 2nd semester or finish the year. I was thinking of dropping out in March after I get my small bursary payment from my uni but since it will be near the end of the semester, wouldn’t it be better to just finish off my year? Apparently, I would get a certificate if I finish my first year and leave, but is this certificate actually worth getting?