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What is Personal Contract Purchase (PCP)?


Personal Contract Purchase (PCP) is a finance product that allows you the opportunity to buy a new or a used car. It is similar to a Hire Purchase agreement as you will usually pay an initial deposit, followed by monthly instalments over a term typically between 18 to 48 months.What makes PCP different to Hire Purchase (HP) is that your monthly instalments are paying off the depreciation of the car, and not its entire value, over the course of the term.

What is Hire Purchase (HP)?


What is Hire Purchase finance? A way to finance buying a new or used car. You will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments.

When all the payments are made, the Hire Purchase agreement ends, and you own the car outright.

We typically receive a commission that is a percentage of the amount you borrow, which may vary depending on your credit score, the amount you borrow and the length of agreement which you select.

Finance FAQS:

Got a question about car finance? We have listed the most commonly asked questions below, but please contact us if you have any other queries

Do you offer finance?

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Yes, we do offer finance on majority of our vehicles. PCP and HP packages are available at very competitive rates. 

Find out more about Finance

If I finance my vehicle and cosmetically damage it, what do I do?

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We recommend a service that you can add on to your vehicle purchase called 'Shine!' In the event of this unfortunately happens Shine is a mobile smart repairs service that will come out repair small scrapes and dings to your vehicle. 

What is your car finance interest rate?

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We offer competitive rates with HP interest rates are from 8.9% APR Representative, PCP interest rates start from 9.9% APR Representative. Subject to your personal credit score

Do you have a finance calculator?

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Yes, we do. On each of our listings, you can find a finance calculator to the right-hand side of the page. Pick either a PCP or HP finance offer, enter your deposit, mileage, and term length, and we will provide a personalised finance quote.

What information is needed for a financing decision?

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During your application, we'll need your personal details, employment details, address history, bank account details and a copy of your photo driving licence.

How long is my finance offer valid for?

Will applying for finance affect my credit score?

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When you apply for finance a lender will run a hard credit check on your credit profile. Too many hard credit checks over a short period can affect your credit score for six months, which could reduce your ability to get approved for credit.