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What is PCP Car Finance?
Personal Contract Purchase (PCP) is a popular financing option for individuals looking to acquire a vehicle. It allows you to enjoy the use of the car while spreading the cost over a fixed period. With PCP, you have the flexibility to decide whether to purchase the vehicle outright at the end of the contract or return it to the dealer.
How does it work?
Under a Personal Contract Purchase (PCP) agreement, you commit to paying a deposit and regular instalments over an agreed period. During this time, you can use the vehicle. At the end of the contract, there's an option to purchase the car outright or return it, depending on the agreement terms.
Contract agreed
You gain control of vehicle without ownership
All instalments paid
Choose to buy ownership or return to dealer at end of term
The vehicle can be repossessed if payments are not kept up to date
Pros and Cons
Lower monthly payments
Flexibility at end of term
Mileage restrictions
Ownership considerations
How do I apply for PCP Car Finance?
Speak to our finance experts using the form or give us a call!
Call 03451 303030 and let's talk options!
PLUS ...You can also check our our handy instant car finance calculator to get a quick heads-up on the costs before we chat
Representative APR 14.9%
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We go the extra mile to get you on the road!
Daryl and Shane went above and beyond to help me finance my dream car. They worked tirelessly throughout the process and kept me well informed, and when a few extra demands were requested last minute, they really stepped up and helped push it over the line..
Kelv D
Absolutely brilliant everyone was so helpful for me the communication was spot on everything went so smooth.
Mark Orrell
With 25 years experience dealing with multiple finance brokers I can honesty say the Holmesdale are hands down the best that I have had the pleasure of using. They even help out after normal working hours and 7 days a week!
You deserve 6 stars.
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