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PCP Finance

Personal Contract Purchase plan provides the benefits of driving a higher specification vehicle for a lower monthly payment. Unlike the traditional purchase plan, this is achieved by deferring a percentage of the total cost of the vehicle to the end of the contract.

Lease Purchase


Lease Purchase is a combination of both PCP and Hire Purchase, it offers a balloon at the end of the contract in a similar way to PCP, however it is the customers responsibility to settle this balloon, customers normally benefit from a slightly lower interest rate with Lease Purchase.

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All you need to know about Personal Contract Purchase.

Typical Example of Personal Contract Purchase, based on a contract mileage of 10,000 miles per annum over 36 months:
Cash Price £24,411.00, £2500.00 Deposit,amount to finance £21,911.00. 1st monthly payment (including acceptance fee of £60.00) of £428.37 followed by 34 monthly payments of £368.37 followed by a final payment of £12970.00 (which includes an option to purchase fee of £40.00) The final payment also acts as a Guaranteed Future Value (GFV) should you wish to hand the vehicle back to the finance company*. Total Amount Payable £28,422.95. 7.9 % APR (Typical).At the end of the agreement you have the option to a)Pay the final payment, b) Part Exchange your vehicle, with the proceeds from your part exchange to be used to settle your final payment or c) Hand the vehicle back to the finance company,*subject to their terms and conditions.Written quotations on request.Indemnity may be required and Subject to status. Alternative deals available.

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