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Personal Contract Purchase (PCP)

Contract hire is not only available for companies. Individuals can also take advantage of our competitive rates.

What is it?

Offers monthly payments tailored to your driving requirements. These schemes are designed to offer you lower monthly payments without the need for large deposits or long repayment periods. You only repay a proportion of the purchase price each month with the remainder becoming due as a final payment.

So how does it compare to standard finance options?

  1. It reduces monthly payments.
  2. The plan is designed to help you change your car regularly.
  3. You can plan your budget ahead due to lower fixed costs.

Is this only available on new vehicles?

No, the scheme is designed for new and low mileage used cars, provided that at then end of the contract the vehicle is less than 3 years old and has a maximum mileage of 45,000.

What extras can I have?

All normal manufacturers accessories are available for your car. We can provide you with a quotation identifying the additional monthly cost.

What happens if I exceed the mileage?

If you part exchange or keep the car, absolutely nothing. However, if you return the vehicle with additional mileage a charge is made per additional mile.

What happens at the end of the contract?

  1. You can part exchange the vehicle with us. Any surplus can be used towards the deposit of your next vehicle.
  2. You can keep the vehicle - simply make the final payment of the guaranteed price and the car is yours.
  3. You can return the vehicle to us and provided it has not exceeded the agreed mileage and is in good condition, you pay no more and your obligation is ended. The guaranteed buyback of the vehicle allows for fair wear and tear in relation to the term of the agreement.

What happens if the vehicle is damaged?

It should be repaired under your insurance policy, as the guaranteed purchase price is dependent on the vehicle being returned in good condition. In addition, you should be aware that all vehicles must be maintained according to the manufacturers recommended service schedules.

What other costs are involved?

  1. An acceptance fee, which is added to the first monthly payment.
  2. An option to purchase fee payable at the end of the agreement, if you elect to keep the car.