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FLEXIBLE OWNERSHIP AT AN AFFORDABLE PRICE

PCP finance

With PCP, you enjoy lower monthly payments and flexibility at the end of the contract. Pay a deposit, then make monthly payments over the contract period. At the end, you can choose to own the car by making a final “balloon” payment, trade it in for a new model, or simply return it to us with no further obligations.
Advantages of PCP
No commitment to full ownership
Lower monthly payments
More flexibility
Perfect if you want to switch cars every few years
Things to Consider
You'll need to pay an initial deposit
You'll usually need fully comprehensive car insurance
Excess mileage charges apply if you go over your allowance
Large balloon payment if you want to keep the car
The process
Choose your car
Choose your term,
deposit and mileage
Complete your PCP
Finance Application
Pay the deposit and monthly
payments
At the end...
Title
If you don't want to upgrade or keep it, as long as it's been looked after, you can simply give it back. (fees may be payable)
If you fancy a change you can simply part exchange your car for a different make/model on a new Solutions contract.
If you love your car you can pay the option to purchase fee and the optional final payment then take full ownership of the vehicle
If you don't want to upgrade or keep it, as long as it's been loved, you can simply give it back. (fees may be payable)
Frequently Asked Questions

Is PCP a good way to buy a car?

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Personal Contract Purchase (PCP) can be a good way to buy a car, but it depends on your own circumstances. PCP gives you the option to purchase the car at the end of the term with a final ‘balloon’ payment, or you can hand it back.

Can I end my PCP car finance early?

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It’s possible to end PCP early. You’ll need to have paid over 50% of your balance and return the car to voluntarily terminate your agreement, or you can pay the full balance of the finance amount. There may be additional fees to consider. Contact your provider for a settlement figure.

Is PCP better than HP?

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PCP can be better suited for you than Hire Purchase (HP) if you want the option to switch your car at the end of your contract. HP car finance payments are usually higher than PCP because you’re paying the full cost of the car and don’t have a final balloon payment to consider. 

Is PCP easier to get than a loan?

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How easy it is to get approved for PCP car finance will depend on factors such as your personal situation, credit history, and the finance amount you’re applying for. There’s no way to know if it’s easier to get approved for PCP or a loan, but you may be able to get a soft credit check for either one to check your approval rate before you apply. 

Is Personal Contract Purchase (PCP) different to Conditional Sale (CS)?

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The main difference between PCP and CS finance is that there’s typically no final balloon payment at the end of a CS agreement. You’ll own your Conditional Sale car once you’ve paid the full balance. 

Can I choose Conditional Sale?

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The financial products we offer include Hire Purchase, Conditional Sale, Fixed Sum Loan, PCH, and PCP, although they may vary from time to time.

Discover our Finance Options Available
Hire Purchase Best if you want to own the car without a large payment at the end. Learn More
Personal Contract Hire Ideal for predictable payments without ownership responsibilities. Learn More
Contract Hire for Business Works well for business leasing with tax and cash-flow advantages. Learn More

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