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Your browser is not supported Click one of the below icons to start the browser download. The long-term relationship we enjoy with our customers is testament to the quality of the customer experience they receive, the Carbase Cars they buy and the value of the finance we are able to provide. Do you like changing your car regularly but don't want to pay high monthly fees? A Personal Contract Purchase may be the right car finance option for you. With a range of low cost rates available we can tailor your car finance to your needs ensuring you don't pay too much for your new used car.
Our sales team will help you identify how much you can afford and help you find the car that suits your needs. Our responsible and tailored used car service ensures you get the right car and a price you can afford.
Personal Contract Payment PCP is a finance product that reduces the monthly payments by delaying part of the repayment until the end of the deal. It offers a wide range of flexibility with monthly payments, annual mileage and deposit all adjustable to meet your needs.
You can also settle your agreement at any time. All these factors play a part in how much you pay back each month. PCP is a very flexible method of payment. As with Hire Purchase, the more you put down as a deposit, the less you will pay back each month, however with PCP a low annual mileage can also mean that you pay less per month. An accurate mileage prediction is important for PCP as it affects the residual value of the car so it is important to give clear and accurate information to your Business Manager as penalties can apply if you exceed your stated mileage.
At Carbase, if you choose to finish your finance deal early, whether that's due to a change in circumstances or wanting to buy the car, you can return the car for a valuation. This valuation will calculate a settlement figure, which is the amount that you are required to pay to close the finance deal, and we can also offer you the option to purchase the car. Once you have the valuation settlement figure, you will then have two options: Unlike a personal loan or Hire Purchase HP , you can get behind the wheel of a new used car for lower monthly repayment costs. It'll also let you fit the monthly payments to suit your budget, so you could buy or borrow a more expensive car than you might not have been able to afford outright.
Since PCP finance deals are only offered on new or nearly-new cars, it's less likely that you'll need to fork out for repairs, so you'll be able to fit it into your finances more easily. Also, since the cars have a minimum sum's worth at the end of your contract, you won't need to worry about the future trade-in or resale value of it.
Finally, a PCP deal is flexible - you'll have several options at the end of your contract, meaning you'll be able to decide whether you want to buy the car or not. As with other car finance deals, you won't own the car during the period of time before your contract ends. Fund your car over a shorter period than traditional finance, so you may be able to change it more often.
Optional final payment. Protection against any fall in used car prices with the Optional Final Payment. How does it work?
Annual Mileage 6, miles p. Vehicle price. If you're not able to afford to buy a car in one big purchase, Hire Purchase can help fit the costs of buying a car around a monthly spending budget. Available on Solutions Personal Contract Plan until 31st March , on used car sales between 90 days and up to 4 years only. Also, since the cars have a minimum sum's worth at the end of your contract, you won't need to worry about the future trade-in or resale value of it.
Drive away the moment we activate your agreement. Personal Contract Purchase.
You have flexibility to choose what to do at the end of the term. You can change your vehicle often and drive the latest models. Due to the option of the GFV payment at the end of the term, your monthly payments will be lower.