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The amount you want to borrow, less any deposit payment is agreed.
Your application for finance is then submitted to the relevant motor finance company and, when you pass their checks, the lender will pay for the car on your behalf.
Your monthly payments are fixed during the period of the agreement.
You return the car to the dealership with no option to buy the car - hand back the keys with no further obligation.
There are several advantages when considering a PCH plan.
It's a low risk option as the car can be driven away without the worry of a warranty expiring or worry about the best way to re-sell it in future.
Monthly payments would be more favourable than compared to HP
It offers flexibility as the car can be easily changes at the end of the agreement period, with access to a wide range of vehicles which, under normal circumstances, could not be afforded.
It is best to be realistic about annual mileage as there will be a charge for each additional mile covered
There is no option to buy the car at the end of the period.