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What is PCP Car Leasing?

PCP Car Leasing, also known as Personal Contract Purchase, is fast becoming one of the most popular ways of financing the new car of your choice, simply due to its flexibility.

You choose the car, a new car or a used car, the deposit, even if you do not have a deposit, how long you want the contract to run for and the mileage you intend to do and in return you get fixed cost motoring for the term of the contract. Also tell us about your credit history. Is your credit history good, poor or bad? We have a solution for everyone.

At the end of the contract you have a choice to either buy the car outright for an agreed lump sum (the GFV or final balloon payment), or hand the vehicle back to the lender and walk away with absolutely no further obligation.

PCP car leasing, also known as Personal Contract Purchase, is a popular method of financing a car that allows individuals to drive a brand-new vehicle without having to purchase it outright. This option has become increasingly popular in recent years, as more and more people are looking for alternative ways to own a car without the high costs of traditional car ownership.

So, what exactly is PCP car leasing and how does it work?

PCP car leasing involves paying a fixed monthly amount to use a car for a set period of time, typically 2-3 years. This monthly payment is based on the car's depreciation value over the lease period, rather than the full price of the car. This makes it a more affordable option for those who may not have the funds for a full car purchase.

The process of PCP car leasing starts with choosing a car from a dealership or leasing company. The individual then agrees to an annual mileage limit, typically between 8,000-15,000 miles, which is used to determine the car's depreciation value. The monthly payments are then calculated based on this value, along with the length of the lease period and any additional fees.

One of the main benefits of PCP car leasing is its flexibility. At the end of the lease period, the individual has three options: they can return the car and walk away, trade-in the car for a new lease, or purchase the car outright by paying the remaining balance. This gives individuals the opportunity to test out a car for a few years before deciding if they want to keep it or not.

Another advantage of PCP car leasing is that it allows individuals to drive a better car for a lower monthly cost compared to traditional car financing options. As the monthly payments are based on the car's depreciation value, rather than the full price, individuals can drive a more expensive car for a lower cost. This also means that individuals don't have to worry about the car's depreciation value, as it is the leasing company's responsibility.

PCP car leasing also offers a fixed monthly payment, making it easier for individuals to budget and plan their finances. This is especially beneficial for those who may have a tight budget and want to avoid any unexpected expenses.

However, there are also some downsides to PCP car leasing. The annual mileage limit can be restrictive for individuals who may need to drive long distances frequently. Going over the agreed mileage limit can result in additional fees or charges, so it is important to estimate the annual mileage accurately.

Additionally, the individual is not the owner of the car during the lease period. This means they are not able to make any modifications or changes to the car without the leasing company's permission. They are also responsible for any damages or wear and tear on the car, which can result in additional fees at the end of the lease period.

In conclusion, PCP car leasing is a flexible and affordable option for individuals who want to drive a new car without the high costs of traditional car ownership. It allows individuals to drive a better car for a lower monthly cost and offers the flexibility to choose whether to return, trade-in, or purchase the car at the end of the lease period.

However, it is important to carefully consider the annual mileage limit and potential additional fees before entering into a PCP car lease agreement.

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We can source and supply any brand new or used vehicle. Whilst most of our special offers are stock and can be eligible for quick delivery, some vehicles may have a longer lead time as they are ordered straight from the manufacturer.

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Get to know your car
You have 14 days to get familiar with your car or give it back for an exchange or refund if you’re not happy.
 
Service and MOT check
If you leased a used car and is due a service or MOT within the next six months, these will be carried out for free and a new certificate will be issued.
 
No worries for 6 to 36 months
We’re confident in the quality of our cars. But, if anything unexpected happens within the first six months, this will be fixed with no cost to you. Brand new cars have a minimum 3 years warranty.

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Our army of mystery shoppers is constantly researching prices all over the UK.

They deal directly with dealers, get the low-down on the latest offers available from industry insiders, then we double-check these prices with independent sources.

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Every Target Price is for a brand-new UK-sourced model – not imported and it's backed by a written quote direct from a UK Authorised Car Dealer.

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What's more, we update our prices every day to keep track of the latest developments in the car hire leasing marketplace.

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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:

Birmingham - Bournemouth - Cardiff - Edinburgh - Glasgow - Lancashire - London - Liverpool - Manchester - Scotland - Swindon - Wales
 

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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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Copyrights © 1998 - 2024 - Time4leasing - All Rights Reserved

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.

Our Registered Office is 115-119 Fort Dunlop, Fort Parkway, B24 9FE, England, United Kingdom.