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Personal Contract Purchase, otherwise known as PCP, is a purchase plan. It gives you flexibility at the end of the agreement to choose to keep, renew or return the car. If you think your circumstances might change, or you might change your mind about wanting to own the car at the end of the agreement, PCP might be right for you.
Personal Contract Hire, otherwise known as PCH, is a hire plan. This is a hassle-free choice if you just want to use a vehicle, not own it.
Personal Contract Purchase
- Pay the same amount each month for the whole agreement.
- Lower monthly payments because the optional final payment is due at the end of the agreement.
- You can choose to keep, renew or return the car at the end.
- You can choose to put a deposit down.
Personal Contract Hire
- Pay a fixed monthly rental for the length of the agreement.
- At the end of your agreement, just return the vehicle to us. So you’ve no worries about the vehicle’s value dropping, or having to sell.
- Pay an initial rental. The more this is, the lower your monthly rental.
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| What deposit percentage do you need? |
| What is the length of agreement? |
| What are your options at the end of your agreement? |
| Are there any mileage restrictions? |
| Are the terms and payments fixed? |
| Is a final lump sum payable when the agreement ends? |
| Is VAT payable on the monthly payments? |
| Is fully comprehensive insurance required? |
Personal Contract Purchase
Learn more | Personal Contract Hire
Learn more |
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| From 0 to 40 | Initial rentals may be required |
| 2 to 4 years | 2 to 4 years |
| You can own the car, part exchange, or return the car to us | You will not own the car and must return it at the end of the term |
| Yes | Yes |
| Yes | Yes |
| Optional | No |
| No | Yes |
| Yes | Yes |
Personal Contract Purchase
Learn more | Personal Contract Hire
Learn more |
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