Looking for a PCP loan of £50k+? How does 7.9% APR sound?

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7.9% APR PCP Product


Please be aware this product only applies to cars under 5 years old, so cars from 2018 onwards.

We have secured new lending capabilities with one of our lenders, offering you a lower rate for lending over the £50,000 threshold up to a total value of £90,000.

As an example, a car priced at £55,000 would qualify, but only if the amount being borrowed was £50,000 or over. On the other hand a £92,000 car, no matter what deposit is put in, would not qualify as the maximum total value with this lender is £90,000.

There are some fabulous cars in this price bracket, the Audi RS3, Land Rover Defender, Range Rover SVR, and BMW M3 Competition among many more all have examples that fit within the requirements.

Our unique online calculator provides instant, accurate PCP quotes, and this new rate is live for you to view now.

If you would like to find out more about this option, please send us a message via live chat or call our team. You’ll speak directly to an expert – not a call centre.

Under this type of finance, you have a maximum set annual mileage. You do not own the vehicle until the end of the agreement and the final balloon payment has been made so you cannot sell or part exchange the vehicle during the lifetime of the agreement unless the finance is settled early.

If you choose to refinance your balloon payment, the overall interest you will pay is likely to be higher than a standard hire purchase agreement. If you do not want to pay the final balloon payment you do have the option to hand the vehicle back to the finance company or part exchange the vehicle. At the end of the agreement, there may be equity in the vehicle at that point, but this is not guaranteed.

The benefits of this type of agreement are fixed monthly costs, a choice of agreement length and deposit amount and rights during the agreement itself regarding making lump sum payments and early termination of the agreement.

For more information on PCP tap here.

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Finance Types

Hire Purchase

Under a Hire Purchase agreement, you usually pay a deposit at the start of the agreement. You then pay the rest of the value of the car in instalments, over a period of between 3 and 5 years.

Balanced Payment Plan

A Balanced Payment Plan offers the benefits of a fixed monthly payment, however tracks the changes in the finance house base rate, LIBOR or bank base, depending on the agreement.

Personal Contract Purchase

PCP is a popular way of financing a vehicle and is usually based upon a Hire Purchase agreement. The main difference is that the vehicle’s value at the end of the agreement is calculated at the start.

Specialist Facilities

We have access to a number of specialist lenders that will look at high value vehicles over £1 million, classic and exotic cars, refinancing existing deals, equity release or even assets other than vehicles.

Representative example - 2022 Audi RS3

Representative example - 2022 Audi RS3


Deposit £6,800
Amount of credit £61,200.00
Total amount payable £82,609.92
Final installment/balloon £33,422.50
Regular monthly instalment £901.86
Duration of agreement 48 Months
Representative APR 7.9%
Type of interest Fixed

*This PCP finance example is for illustration purposes only. Please contact our finance team for a tailored quotation.

How it works

Our finance calculator and concierge
service makes financing your car simple.

How it works

Call us and get a tailored quote on your chosen car (or apply online).


When you are happy, we’ll create and submit your application to your chosen lender.


Once approved, pay a deposit to the dealer and sign & return the finance documents to us.


We pay the dealer - you pick up your new car!

Already found your dream car?
Use our calculator to get an estimate for your finance

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Magnitude offers finance for all Audi models, including classics, please contact our finance team for a tailored quotation.<br />

Why choose Magnitude?

  • Competitive rates
  • Wide choice of agreements and lenders
  • Expert advice
  • Fast response times
  • Ethical lenders
  • Part of DSG Financial Services – 30 years of experience

Our experience is unrivalled

With over 30 years in business building strong relationships with consumers, dealers and manufacturers, no other prestige car finance specialist can match our experience.

As part of DSG Financial Services we have been able to negotiate the very best terms from our lenders on behalf of our customers, so you can expect lower rates than most of our competitors are able to offer – just try us and see.

Our commitment

Magnitude work in your best interests – not those of manufacturers or dealers – to always offer the best overall package for you.


Our concierge team loves helping our customers finance their dream car. Get in touch with them to see how we can do the same for you.