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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
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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Highly recommended Kevin Lee. My family are so happy with our purchase. 5 Stars for customer service and I certainly will recommend to family and friends. Keep up the amazing work Kevin. 🙂
Riz Razaq
Just driven home my new Mercedes SLK and I’ve over the moon with it and is all thanks to Kevin at Holmesdale Finance. His customer service has been flawless throughout, checking quotes for me throughout my car search.
Fielding Lawson
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.
Paul russell
