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PCP Personal Car Leasing

Personal Contract Purchase (PCP):

Similar to Hire Purchase - with the added advantage of a guaranteed future value on the vehicle (GFV) at the end of the period. PCP is for private individuals who want the option of eventual ownership coupled with the security and peace of mind of the Finance Company guaranteeing the vehicles value (subject to normal wear and tear and an agreed mileage) at the end of the period.

  • A low initial deposit is payable, followed by a fixed monthly payment for the period of the loan. At the end of the agreement the guaranteed future value (GFV) becomes relevant and there are 3 end of contract options:

  • The vehicle may be owned by paying the guaranteed future value. This value is fixed at the start of the agreement and will be as stated on the original documentation.

  • The car can be handed back to the Finance Company and another car chosen and funded through European Finance, subject to the vehicle meeting the conditions in the agreement. 3. The vehicle may be part exchanged against a new vehicle using any equity, the difference between the cars trade in value and the guaranteed future value, as deposit.

    Lease Finance Finance Leasing

    Hire Purchase

    You enter into an agreement with Hippo Leasing Finance for over a fixed period at a fixed instalment. Upon payment of the final instalment the vehicle becomes yours. A balloon payment can be incorporated as can low deposits.

    The Benefits of Hire Purchase:

  • An alternative funding line to bank overdrafts.

  • Ownership at the end of the contract

  • Low initial outlay

  • Flexible contract

  • Interest reclaimable against tax

  • Writing down allowance

  • Fixed monthly cost

  • Business capital not tied up in a depreciating asset

    NHS Staff

    Lease Purchase

    For non-VAT – registered companies and private individuals that want eventual ownership of the vehicle. A funding agreement where the company or individual acquires ownership when all payments, including the purchase payment have been made.

    Part of the capital cost of the vehicle payment may be deferred into a Balloon Payment at the end of the agreement, which equates to the anticipated market value of the vehicle at the end of the agreed leasing period.

    The benefits of Lease Purchase:

  • Fixed monthly cost

  • Ownership at the end of the lease

  • Flexible contract

  • Balloon Payment

  • Low initial outlay

  • Business capital not tied up in a depreciating asset

  • Finance not subject to VAT

  • Interest reclaimable against tax

  • Writing down allowance

    Personal Contract Hire (PCH) (Best Option)

    Personal Contract Hire also known as private car leasing or personal car leasing is a very popular car leasing option for ex-company car drivers or for private individuals, with or without car allowance.

    If you have a car allowance or not, personal contract hire offers a fixed price risk free motoring, with no pre-set option to purchase.

    Personal Car Leasing is cheaper than hiring or taking a personal loan.

    This is an option where you lease the car in your name and not in the company's that you are working for. With this option you will have to return the vehicle at the end of the lease and lease another if you need to.

    You can claim at least 40 pence for every mile you drive from HMRC (Her Majesty's Revenue and Customs) for the fist 10,000 miles and 25 pence for over 10,000 miles.

    That means you could deduct at least £4,000 pounds from your annual income. Do check with your accountant what you may or may not deduct or visit HMRC Cars and make your own calculations.

    Personal Contract Purchase (PCP)

    Personal Contract Purchase car leasing is a method of personal car finance which offers a guaranteed optional purchase price for the vehicle at the end of the contract. You may or may not buy the car, it is really up to you.

    We accept customers that have a car allowance and with or without good or bad credit history. Just apply and ask us if you can be approved.

    Audit Leasing Nissan Vehicles

    Personal Lease Purchase (PLP)

    Lease Purchase is a method of motor finance which is best suited for the finance of prestige vehicles, like BMW's, Mercedes, Porsche and where there is a potential and significant benefit in taking on the responsibility of the residual value of the vehicle and the end of the lease.

    Personal Contract Options (PC)

    Whether you choose the Personal Contract Hire option or Personal Contract Purchase option, it is your choice of a contract which may or may not include a maintenance agreement and will differ in cost depending upon the two main criteria, the anticipated mileage you are going to clock up on the vehicle and the length of hire.

    Price Promise Car Leasing

    One thing that makes us unique is that not only do we work alongside some of the worlds biggest banks and finance houses, we also source and purchase vehicles ourselves in bulk so that we can command the BIGGEST DISCOUNTS and pass them on to you to.

    You don’t even need to be looking to finance the vehicle. Due to the massive discounts we receive, we can offer some amazing cash prices on vehicles as well!

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    Time4Leasing offer a nationwide fast delivery service to all our satisfied car leasing customers. Here are some popular areas that we delivery to:

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    Buy with Confidence

    Yes Deciding whether to pick a new or used can be hard when you’re trying to lease a car - this is why we offer both options. We also offer personal and business lease vehicles - depending on which one works out cheaper!

    Yes We provide Contract Hire Leasing, Personal Contract Purchase Sales and Hire Purchase where you can drive unlimited miles and keep the car for a small fee at the end of the lease.

    Yes We’ll take care of everything for you, from the initial contact then finding your dream vehicle to arranging collection or home delivery. You’re in safe hands with us.

    Yes Applying with us is the fastest way to check whether you'll be pre-approved for car leasing finance with one of our top-tier or specialist lenders. A short finance application that won’t affect your credit score or appear on your credit profile.

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    Time4Leasing is a trading style of White Hat Projects Ltd and is authorised and regulated by the Financial Conduct Authority. FRN 768203. Company number 07764808.

    We are a credit broker and not a lender and can introduce you to a limited number of businesses who also act as credit brokers and may introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a credit broker but this does not affect the interest charged on the agreement, all of which are set by the lender.

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