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Cheap Personal Contract Purchase

As an increasingly popular option, Personal Contract Purchase (PCP) offers the best flexibility with a low fixed monthly premium. This form of finance is based on a purchase agreement with a balloon payment at the end to keep monthly fees down.

At the beginning of the agreement the future guaranteed value of the vehicle will be calculated based on an agreed mileage and age. This will be deferred as a final 'balloon' payment. With PCP you don't have to commit to buying the car. You use it for an pre-agreed period of time (typically between 24-48 months) and then decide at the end of this period what you would like to do from the following: buy the car by paying an agreed minimum residual value, part-exchange the vehicle for another, sell the vehicle privately (settling the balloon) or subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciatio resulted in negative equity)


Benefits of Personal Contract Purchase

Low risk - a minimum future value is guaranteed

Low deposit - keeps valuable personal or business cash available

Low fixed monthly payments - perfect for budgeting

Choice - buy the car, part-exchange it or just return it

A better car - lower payments can help you choose a higher specification car

Tax advantage - the cash alternative when you opt out of a company car scheme is not subject to company car tax

VAT free - no VAT on your payments

Great Value Car Finance

Why use

Some competitive finance packages from a wide range of sources.

Products identical to those provided by a dealership but tailered to your requirements.

A quick financial approval time, usually around two to three hours.

Gap Insurance, Credit Protection and Mechanial Breakdown Insurance all available.

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