Rates from 8.9% APR  - 8.9% APR Representative
Car Finance Calculator

PCP Finance Calculator

Try Our PCP Finance Calculator

We are a credit broker and not a lender

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!

1 mercedes amg a45s 2020 rt hero front

Representative example - Mercedes A35


Deposit £5,000
Amount of credit £24,000
Total amount payable £6,534.43
Final Instalment/Balloon £13,780
Interest Charges £6,534.43
Regular monthly instalment £356.69
Duration of agreement 48 months
Representative APR 8.9%
Type of interest Fixed

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

What are the benefits of Personal Contract Purchase?

  • Flexible deposit options at the start
  • Lower monthly payments than Hire Purchase
  • Fixed monthly payments throughout the term of the agreement
  • Three options at the end of your agreement
  • Easy to budget for your next car purchase

Why choose a PCP?

PCPs are great if you want to change your car on a regular cycle and enjoy fixed monthly payments that are lower than a traditional Hire Purchase.

Things to consider

  • Charges – a PCP agreement could work out to be more expensive overall compared to a hire purchase agreement for an equivalent vehicle.
  • If you decide to return the vehicle, make sure it is in good condition as you could be responsible for any repairs if it is not.
  • Make sure you estimate your annual mileage with care as there will be charges for additional miles above the amount agreed.