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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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Our flexible finance options
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Absolute fantastic service and I would highly recommend them to anyone. Andrew was superb. He called me at 6pm on a Tuesday night to get some information for the finance by 9:03am Wednesday morning/
Aaron Jan Heydon
First rate service. Andrew was fantastic from the outset. Great communications and tenacious at finding the right deal to suit my budget.
Rick Shouler
Smoothest car financing experience ever! Andrew was a huge help and made my purchase hassle free he did all the checks on my car guided me the right way and contacted the garage on my behalf. Couldn’t be happier & I’d definitely recommend Holmesdale
Usmon
