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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.
Conditional Sale allows you to own the car at the end of the agreement. Or, if you’d prefer lower monthly payments and pay the remaining balance at the end, Conditional Sale with a Balloon might work for you.
Conditional Sale
- Pay the same amount each month for the whole agreement.
- Own the vehicle at the end of the agreement.
- You can choose to put a deposit down.
Conditional Sale with a Balloon
- Pay the same amount each month for the whole agreement.
- Pay less each month, compared to our Conditional Sale. Pay the remaining balance at the end.
- Own the vehicle at the end of the agreement.
- You can choose to put a deposit down.
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.
| 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? |
| Conditional Sale Learn more | Conditional Sale with a balloon Learn more | Personal Contract Purchase Learn more |
|---|---|---|
| From 0 | From 0 | From 0 to 40 |
| 1 to 5 years | 1 to 4 years | 2 to 4 years |
| You can own the car, or you can part exchange | You can own the car, or you can part exchange | You can own the car, part exchange, or return the car to us |
| No | No | Yes |
| Yes | Yes | Yes |
| No | Yes | Optional |
| No | No | No |
| Yes | Yes | Yes |
| Conditional Sale Learn more | Conditional Sale with a balloon Learn more | Personal Contract Purchase Learn more |