PCP finance, or Personal Contract Purchase finance, is a popular method of car financing that has become increasingly popular in recent years. It works by allowing the buyer to pay a deposit on a new or used car, and then make monthly payments over a fixed period of time. At the end of the agreement, the buyer can choose to make a final payment to own the car outright or return the vehicle to the dealership. PCP finance offers a number of benefits, including lower monthly payments than traditional car finance, flexible payment terms, and the ability to upgrade to a new car at the end of the agreement. However, it is important to be aware of the potential downsides, such as the need to carefully manage mileage and maintenance costs, and the risk of negative equity if the value of the car drops below the outstanding balance of the agreement.
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.
We offer competitive rates with HP interest rates are from 9.9% APR Representative, PCP interest rates start from 9.9% APR Representative. Subject to your personal credit score
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.
During your application, we'll need your personal details, employment details, address history, bank account details and a copy of your photo driving licence.
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.