pcp car finance

PCP or personal contract purchase, is a form of hire purchase vehicle finance for individual purchases. The difference in terms of hire purchase is the fact that you would pay equal monthly instalments over the term of the agreement. Personal contract purchase (pcp) is structured in way so the customer will pay lower monthly payments over the contract period (usually a between 24 and 48 months) leaving a final balloon payment at the end of the agreement. You can have an option to hand the car back to the dealer to cancel the balloon if the vehicle is worth the value of the balloon payment. Or you can pay the difference. If the vehicle is worth more than the outstanding payment you can receive that back and place it as a deposit for the next vehicle or simply take the cash.

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