Personal contract purchase (PCP) is a flexible finance option that allows you to change your vehicle regularly.

Unlike HP, instead of your monthly payments covering the entire cost of the vehicle – with PCP, you will only cover the cost of depreciation of the car plus interest. This will be paid over the agreed term of 24 to 60 months. Therefore, your monthly payments are likely to be lower than most other finance alternatives.

A PCP agreement also gives you flexibility at the end of your agreement. You have three options; choose to make the final balloon payment if you want to keep the car, part-exchange the vehicle for another, or hand the car back to the finance company. Whichever is best for you at that time.

Use our PCP calculator to adjust your requirements and view prices for your chosen vehicle.

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Personal Contract Purchase (PCP) Calculator