PCP Finance
Drive the car you love, on terms that fit you
PCP (Personal Contract Purchase) gives you lower monthly payments and multiple choices at the end: keep the car, part-exchange it, or hand it back (mileage/condition rules apply).
How PCP Works
- Choose your car & deposit — select your mileage and term (typically 24–48 months).
- Pay fixed monthly instalments — you’re covering the car’s depreciation over the term.
- Decide at the end — pay the optional final payment to keep it, part-exchange, or return it.
Optional final payment is sometimes called a “balloon” or GMFV.
PCP vs HP — Quick Comparison
| Feature | PCP | HP |
|---|---|---|
| Monthly payments | Usually lower | Higher (loan covers full car value) |
| End of agreement | Keep (pay balloon), part-exchange, or return | Own the car after final instalment |
| Balloon payment | Yes — optional | No |
| Mileage/condition | Applies if returning | Not applicable |
The rate you’re offered depends on your circumstances. Fees/mileage limits may apply.
Get in touch:
Your personal concierge specialist is waiting for your call or email:
Get In Touch
- 0191 250 4575
- [email protected]
Address
- Hub 26, Lawrence House, Riverside Dr, Cleckheaton BD19 4DH
Hours
- 9:00AM - 5:30PM Weekdays
- 10:00 AM - 4:00pm Sat/Sun
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