PCP explained

Discover if Personal Contract Purchase finance is the option for you

A very popular form of used car finance, Personal Contract Purchase (PCP) finance offers greater flexibility. You’ll pay an initial deposit followed by monthly fixed payments, but the lender will be the legal owner of the vehicle during your term. At the end of your agreement, you’ll have the option to pay the outstanding amount in order to own the vehicle, end the contract and begin a new one for a different car, or part-exchange it against another vehicle. 

The benefits of PCP Finance are: 

  • Deals between 18 – 48 Months
  • Often has lower monthly payments than HP due to final payment option
  • Three final payment choices:
  1. Hand back the vehicle with no further payments
  2. Part Exchange for a new one and start the process again
  3. Settle the outstanding balance and keep the vehicle
PCP Finance Enquiry Form
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