PCP Car Finance: Lower Monthly Payments with Flexible Options
Drive the car you want with affordable monthly payments. Choose to own, return, or upgrade at the end of your agreement - the flexibility is yours.
What is PCP Car Finance?
PCP (Personal Contract Purchase) is a popular car finance option that offers lower monthly payments compared to traditional financing methods. With PCP, you pay an initial deposit followed by monthly payments over an agreed term, typically between 24 to 48 months.
What makes PCP unique is its flexibility at the end of the contract - you can choose to return the car, pay a final balloon payment to keep it, or trade it in for a new model. This makes it perfect for those who like to change their cars regularly or want lower monthly payments while keeping their options open.
Benefits of PCP Finance
Lower Monthly Payments
Enjoy reduced monthly payments compared to traditional finance options, as you're only paying for the car's depreciation.
Flexible End Options
Choose to return the car, make the balloon payment to own it, or trade it in for a new model at the end of your agreement.
Drive Newer Cars
Regular opportunity to upgrade to the latest models, perfect for those who enjoy driving newer vehicles.
How PCP Finance Works
Choose Your Car
Select your desired vehicle and decide on a deposit amount. We'll help you find the perfect car within your budget.
Set Your Terms
We'll work with you to arrange monthly payments over your chosen term length, typically 24-48 months, with a final balloon payment option.
End of Agreement Choice
When your agreement ends, choose to return the car, pay the balloon payment to keep it, or trade it in for a new model.
Calculate Your PCP Finance
Use our calculator to estimate your monthly payments and see how affordable your next car could be with PCP finance.
Loan Calculator
Rates from 9.9% APR. Representative APR 21.9%
We are a credit broker, not a lender
Popular Questions
Popular Questions
View all FAQs →Find Your Perfect Car Finance
- Compare 18+ lenders instantly
- Rates from 9.9% APR
- No impact on your credit score
We are a credit broker, not a lender