PCP (Personal Contract Purchase)

PCP (Personal Contract Purchase) a simple cost effective way to buy your new or nearly new vehicle.

You choose the vehicle, the deposit, how long you want the contract to run for and the mileage you intend to do. You will then receive a quote for fixed cost motoring for the length of the contract. At the end of the contract you have a choice to either buy the vehicle outright for an agreed lump sum (the Guaranteed Minimum Future Value or final balloon payment), or hand the vehicle back to the lender.

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Hire Purchase

Hire Purchase allows you to take ownership of a vehicle once all payments are made.

This is one of the most popular methods to buy a new vehicle. You pay an initial deposit, then pay off the balance in monthly payments over an agreed period of time, when the payments are complete the vehicle is yours.

One of the main benefits with Hire Purchase is the ability to buy a high value vehicle on monthly payments.

Hire Purchase allows you to tailor your finance package as deposit, length of time and monthly payments are all flexible.

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Lease

Personal contract hire is very similar to normal contract hire but is exclusively for private individuals. This is one of the most common forms of leasing.

With a personal contract hire agreement you take control of a vehicle for a contractual period – usually referred to as the ‘lease period’. You will make fixed monthly payments for the duration of the contract – when the contract expires you will simply return the vehicle and take out a new personal contract hire lease. PCH means you never have to worry about resale values of your vehicle.

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