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Personal Contract Purchase

Personal Contract Purchase (PCP) - the hassle-free, cost effective way to finance and maintain a vehicle.

Personal Contract Purchase is an affordable option for private individuals to acquire a vehicle. Payments link the estimated final value of a vehicle at the end of an agreed period to monthly rental payments, reducing the amount you pay each month and allowing you to drive a better car but within the same budget. Maintenance can also be included in the contract providing you with a total package of fixed price motoring.

Personal Contract Purchase gives you the option to return the vehicle at the end of the agreement or make a final option to purchase fee, buying the vehicle outright. The decision is yours.

Benefits Of Personal Contract Purchase Are Listed Below

  • Accurate monthly budgeting
  • Improved cash flow
  • Minimum capital expenditure
  • Fixed interest rate
  • Optional ownership of vehicle
  • Rentals offset against taxable income
  • No depreciation risk
  • No vehicle disposal problems
  • Reduced administration
  • Ongoing advice and support
  • Road fund licence provided (optional)
  • Breakdown rescue cover (optional)
  • Fixed charged maintenance (optional)
  • VAT chargeable on services (optional)
  • VAT recovered on invoice value by Fin.co and passed to customer in the form of lower rentals

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