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Personal Contract Purchase (PCP) Deals

Over the years, personal contract purchase (PCP) has become one of the most popular ways to finance a car.

Personal Contract Purchase (PCP) is a conditional sale agreement for individuals based on a pre-agreed contractual mileage. With PCP, customers are able to spread the cost of a vehicle across an initial payment, monthly payments and an optional final payment.

Whether you're looking for a compact city car or a large family SUV, our experienced team are here to assist you.

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PCP Deals

Personal Contract Purchase Cars

At GB Vehicle Leasing we offer fantastic PCP deals on a wide range of vehicles, of which some are new, and some are used vehicles. Our pricing team constantly monitors the market to ensure we offer the very best rates on our PCP deals.

Browse our current selection of PCP deals below or contact our experienced team on 0161 667 5338.

16 vehicles found

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In Stock

Fiat 500 Hatchback

1.0 Mild Hybrid Dolcevita [Part Leather] 3dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£157.42 per month inc VAT

Initial Payment: £1,417 inc VAT

Guaranteed Future Value: £5,076 inc VAT

APR: 7.99%

60 month term, 5,000 miles per annum

In Stock

Vauxhall Corsa Hatchback

1.2 GS 5dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£195.75 per month inc VAT

Initial Payment: £1,762 inc VAT

Guaranteed Future Value: £7,802 inc VAT

APR: 10.17%

60 month term, 5,000 miles per annum

In Stock

Vauxhall Corsa Hatchback

1.2 Turbo GS 5dr Auto

Automatic

Petrol

G/KM

MPG

Personal Contract Purchase

£225.60 per month inc VAT

Initial Payment: £2,030 inc VAT

Guaranteed Future Value: £9,306 inc VAT

APR: 10.75%

60 month term, 5,000 miles per annum

MG Motor UK Zs Hatchback

1.5 VTi-TECH Exclusive 5dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£235.78 per month inc VAT

Initial Payment: £2,122 inc VAT

Guaranteed Future Value: £7,746 inc VAT

APR: 8.70%

60 month term, 5,000 miles per annum

In Stock

Peugeot 208 Hatchback

1.2 PureTech 100 GT 5dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£241.88 per month inc VAT

Initial Payment: £2,177 inc VAT

Guaranteed Future Value: £9,024 inc VAT

APR: 7.82%

60 month term, 5,000 miles per annum

Kia Sportage Estate

1.6T GDi ISG 2 5dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£302.99 per month inc VAT

Initial Payment: £2,727 inc VAT

Guaranteed Future Value: £10,246 inc VAT

APR: 8.82%

60 month term, 5,000 miles per annum

Mazda Mx-5 Convertible

1.5 [132] Prime-Line 2dr

Manual

Petrol

G/KM

MPG

Personal Contract Purchase

£313.89 per month inc VAT

Initial Payment: £2,825 inc VAT

Guaranteed Future Value: £9,588 inc VAT

APR: 11.32%

60 month term, 5,000 miles per annum

In Stock

Peugeot E-208 Electric Hatchback

100kW Allure Premium 50kWh 5dr Auto

Automatic

Electric

G/KM

MPG

Personal Contract Purchase

£324.25 per month inc VAT

Initial Payment: £2,918 inc VAT

Guaranteed Future Value: £12,361 inc VAT

APR: 5.88%

60 month term, 5,000 miles per annum

In Stock

Peugeot 3008 Estate

1.2 PureTech GT 5dr EAT8

Automatic

Petrol

G/KM

MPG

Personal Contract Purchase

£333.03 per month inc VAT

Initial Payment: £2,997 inc VAT

Guaranteed Future Value: £13,395 inc VAT

APR: 8.17%

60 month term, 5,000 miles per annum

Kia Sportage Estate

1.6T GDi 48V ISG GT-Line 5dr DCT

Automatic

Petrol

G/KM

MPG

Personal Contract Purchase

£344.99 per month inc VAT

Initial Payment: £3,105 inc VAT

Guaranteed Future Value: £12,549 inc VAT

APR: 8.60%

60 month term, 5,000 miles per annum

Kia Sportage Estate

1.6T GDi HEV GT-Line 5dr Auto

Automatic

Hybrid Petrol

G/KM

MPG

Personal Contract Purchase

£349.99 per month inc VAT

Initial Payment: £3,150 inc VAT

Guaranteed Future Value: £14,147 inc VAT

APR: 8.54%

60 month term, 5,000 miles per annum

In Stock

MG Motor UK Mg5 Electric Estate

115kW Excite EV 61kWh 5dr Auto

Automatic

Electric

G/KM

MPG

Personal Contract Purchase

£362.74 per month inc VAT

Initial Payment: £3,265 inc VAT

Guaranteed Future Value: £9,837 inc VAT

APR: 9.27%

60 month term, 5,000 miles per annum

How does PCP Work?

With PCP, you simply pay an agreed initial amount at the start of the vehicle lease, then a fixed monthly payment for the term of the lease. Typically, a Personal Contract Purchase agreement lasts between 2-5 years and in return you get the use of the vehicle with an agreed annual mileage allowance.

A number of factors combined can impact your monthly payments on a PCP deal. Firstly, the bigger the initial payment you put down, the lower your monthly payments will be. Also, some vehicles are quicker at depreciating (dropping in value) than others. The quicker a vehicle is expected to depreciate, the higher your monthly payments will likely be to cover the drop in value. Furthermore, your annual mileage allowance and contract term will impact your monthly payments. Typically, with a longer contract term, your monthly payments will be lower. Another factor to consider is the rate of interest on the loan (APR) for the vehicle. As PCP is a finance solution, you will be charged a rate for borrowing money.

PCP offers a flexible agreement with 3 options at the end of the contract:

Simply return the vehicle at no cost (as long as the vehicle is in an acceptable condition and contract mileage has not been exceeded).
Dispose of the vehicle to a 3rd party - any equity is yours to keep.
Pay the Optional Final Payment and keep the vehicle.

What are the advantages of PCP?

Personal Contract Purchase gives you the option to terminate the contract early subject to payment of a settlement figure. As this is a regulated agreement, our finance companies must use an Actuarial Calculation to work out your settlement figure.
Flexible options available at the end of the agreement including the option to purchase the vehicle for a final payment (unlike with PCH).
There’s the option to include a service & maintenance contract and roadside assistance.
PCP offers flexible contract periods from 24-60 months. If you opt for a 60-month contract, this provides lower monthly payments, but you’re not committed to keeping the car for the full period.
Road fund licence included for first 12 months then funder arranges and recharges to you by direct debit.
When you lease a car, you have the option to choose either a used vehicle or a brand-new one. However, we tend to find that the majority of our customers opt for a new vehicle due to the discounts available on these vehicles via our finance partners. Not only are new vehicles typically more reliable than used ones, but any issues will be covered by the full manufacturer's standard warranty. (manufacturer's warranty varies depending on the manufacturer).
PCP helps to control your monthly motoring spend by offering a fixed monthly payment for the agreed term of the PCP agreement. Also, a flexible initial payment and payment profiles available to suit you.
PCP offers the option to return the car at no cost once 50% of the total payments have been made (subject to condition and pro-rata mileage in line with your contract).

Points to consider with PCP

Contract mileage should be based on anticipated total mileage.
Excess mileage charges will apply if contract mileage has been exceeded when handed back to the funder.
The vehicle must be comprehensively insured. Insurance is not included as part of your agreement, so this is your responsibility.
If vehicle is not returned in an acceptable condition, damage recharges may apply (please ask for a copy of the BVRLA Fair Wear & Tear Guide)
If you choose to terminate the contract before you have paid 50% of the Total Amount Payable there may be a balance to pay unless the vehicle is worth more than the settlement at this point.

Why Choose GB Vehicle Leasing?

GB Vehicle Leasing is quickly becoming the fastest growing leasing company and we pride ourselves on our customer satisfaction. With over 650 genuine customer reviews, you can be sure your vehicle is supplied by a company you can trust.

For us this is a personal service and we’re always happy to answer any questions you have regarding PCP. As a reputable leasing broker, we offer bespoke and competitive quotes to suit your requirements.

Also, at GB Vehicle Leasing the customer service experience doesn’t end at delivery of your vehicle, so we offer after sales support for the life of your contract.

Personal Contract Purchase FAQs

View some of our latest FAQs below and if you can't find the answer to your question, please call us on 0161 667 5338

With PCP, the finance is secured against the vehicle and so it remains the property of the finance company. If you decide the purchase the vehicle by paying the final payment, then you become the owner of it.

As part of your PCP agreement, if you decide not to buy the vehicle, you must keep it in good condition as you may pay for any damage outside the BVRLA Fair Wear & Tear Guide. As with Personal Contract Hire, you should be aware that if you exceed your mileage allowance for the complete duration of your contract then an excess mileage charge will be applied.

Yes, with a PCP agreement you can pay the optional final payment and then either sell the vehicle yourself to a 3rd party or, you can part exchange it when sourcing your next vehicle through GB Vehicle Leasing. Any equity in the vehicle is yours to keep or put towards your initial payment for your next finance agreement.

Yes, the finance company will need to conduct a credit check to see if you are approved for finance. It can take up to 24 hours to get a credit decision.

Personal Contract Purchase (PCP) Deals

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Personal Contract Purchase Cars

16 vehicles found

Fiat 500 Hatchback

1.0 Mild Hybrid Dolcevita [Part Leather] 3dr

Vauxhall Corsa Hatchback

1.2 GS 5dr

Vauxhall Corsa Hatchback

1.2 Turbo GS 5dr Auto

MG Motor UK Zs Hatchback

1.5 VTi-TECH Exclusive 5dr

Peugeot 208 Hatchback

1.2 PureTech 100 GT 5dr

Kia Sportage Estate

1.6T GDi ISG 2 5dr

Mazda Mx-5 Convertible

1.5 [132] Prime-Line 2dr

Peugeot E-208 Electric Hatchback

100kW Allure Premium 50kWh 5dr Auto

Peugeot 3008 Estate

1.2 PureTech GT 5dr EAT8

Kia Sportage Estate

1.6T GDi 48V ISG GT-Line 5dr DCT

Kia Sportage Estate

1.6T GDi HEV GT-Line 5dr Auto

MG Motor UK Mg5 Electric Estate

115kW Excite EV 61kWh 5dr Auto

How does PCP Work?

What are the advantages of PCP?

Points to consider with PCP

Why Choose GB Vehicle Leasing?

Personal Contract Purchase FAQs

Who owns the car on a PCP?

What happens if the vehicle has damage at the end of the contract?

Can I sell the vehicle at the end of the lease agreement?

Do I need to be credit checked?