Hire Purchase:

This is a loan secured against the car. Once you have paid all the monthly payments you will own a car. To get a quote on finance, first take a quote for the car, and then click on the 'Finance this Car' button.

Personal Contract Purchase (PCP):

This loan enables you to drive a new car for the lowest monthly payments, and then gives you the option to buy the car at the end of the contract. You pay a fixed amount every month for an agreed term and a 'balloon' or 'final' payment at the end, at which point you own the vehicle.

You will have the option to 'hand back' the vehicle at the end of the contract and pay nothing further. If the vehicle's value exceeds the 'guaranteed future value' set at the beginning of the agreement, you can usually use this amount towards a deposit on your next contract.

You will be allocated an annual or total contract mileage with this agreement, if you exceed the agreed mileage you will be expected to pay an amount (per excess mile) which would be agreed at the start of the contract.

To get a quote for a new car on a PCP scheme, first take a quote for the car you would like to buy, then click on 'Finance this Car' to get a PCP quote.

Personal Contract hire:

Personal Contract Hire (PCH) applies exclusively to private individuals. The agreement is based on a fixed term, usually 1 to 3 years during which time you make monthly payments to the leasing company. When the contract expires you simply return the car to the leasing company and you're free to take out a new agreement on another new car. As a result, you never have to worry about the future value of the car because you have to return the vehicle and walk away at the end of the contract (subject to mileage and fair wear and tear conditions). Please note we show all payments inclusive of VAT on PCH.

Please note that Contract Hire companies usually will not agree to terminate an agreement early, therefore normally all of the payments would be payable if you ask to terminate early.

Business contract hire:

Business Contract Hire (BCH) applies exclusively to businesses. The agreement is based on a fixed term, usually 1 to 3 years during which time you make monthly payments to the leasing company. When the contract expires you simply return the car to the leasing company and you're free to take out a new agreement on another car. As a result, you never have to worry about the future value of the car because you have to return the vehicle and walk away at the end of the contract (subject to mileage and fair wear and tear conditions). Please note we show all payments excluding VAT on BCH, please speak to your accountant for VAT treatment.

Please note that Contract Hire companies usually will not agree to terminate an agreement early, therefore normally all of the payments would be payable if you ask to terminate early.

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