Personal Contract Purchase (PCP) is ideal if you want low monthly payments and flexible options at the end of your agreement — like keeping, returning, or upgrading the car.
Choose your car — and expected mileageDecide on your deposit & term — 2–4 years typical.Agree your balloon (GFV) — what the car will be worth at term’s end.Drive away now, decide later — you can keep, return, or trade in.You only pay for the depreciation, not the full value of the car. This is why monthly costs are usually lower than HP.
Drivers who want a new or nearly-new carThose who like to upgrade every 2–4 yearsCustomers seeking lower monthly paymentsDrivers who exceed high mileage (can face charges)Buyers who plan to keep the car long-termOnly if you pay the optional final payment (balloon) at the end.
Yes — if it’s within agreed mileage and condition.
Guaranteed Future Value – what your car is predicted to be worth at the end of the term.
Yes. We can provide an early settlement figure anytime.
You choose: make the final payment to own the car, return it with no extra fees, or trade in for a new deal.
