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Drive the Car You Want with PCP Finance

A Personal Contract Purchase (PCP) finance option allows you to be in a vehicle you love and remain affordable. Here at Auto Market Place, we have flexible PCP finance options that are tailored to your needs, budget, and lifestyle. If you want lower monthly payments or the convenience of being able to change your vehicle more often, a PCP option will give you the option without a long-term vehicle agreement.
All you do is choose your car, agree on a deposit, settle on a contract length and annual mileage. At the end of the contract term, you will either return your vehicle, make your final balloon payment to keep it, or trade it in for a new one. Simple as that! And with fully transparent terms and the support of our knowledgeable team, our PCP options can be easy, flexible, and tailored for your needs.

Why PCP Finance?

Auto Market Place believes that everyone should be able to drive a car they love, without the added financial burden. That is why we have partnered with PCP (Personal Contract Purchase) as a wiser, flexible option for contemporary car buyers. The lower payments and often more frequent changes to your car make it suitable for those who want to drive modern cars, but have budget control at the same time.

Straightforward, Flexible & Cheaper

With PCP Finance, you only pay for the depreciation of the car during your contract period, not the full purchase cost. This means lower monthly payments, shorter contracts and more options at the end. Let us work with you to prepare the best PCP finance plan to suit your lifestyle and guide you through the complete process.

PCP finance with Auto Market Place means more than just convenience. It's about freedom, flexibility and financial control. Here's why PCP finance may appeal to you:

Drive New Cars

Get more access to newer models more often, without having to pay the full purchase price of the car.

Lower Payments

Since you are not paying the full value of the car, payments are much lower, and contracts are often shorter!

Flexible End-of-Term Options

When your term comes to an end, you can either return your car, keep it by simply making a balloon payment or part exchange.

Fixed Interest Rates

All PCP agreements have fixed interest rates, so you know exactly what to expect.

Combination to Suit You

Decide preferred deposit, term and mileage to compile the plan that is right for you.

No Hidden Fees

We stand for transparency, you will get are straight figures, no hidden extras.

PCP Finance FAQs

Considering a PCP finance plan but have a few queries to clarify? We have the answers:

FAQs about PCP Finance

What is PCP finance?

PCP (Personal Contract Purchase) is where you pay monthly instalments which are based on depreciation, not the car's value.

How does PCP differ from Hire Purchase?

With PCP, you have the flexibility to either return the car at the end of the agreement or purchase it at the end of the term with a final balloon payment. There is no expectation to own the car at the end of the agreement, unlike Hire Purchase.

Can I end my PCP agreement early?

Yes, but early settlement terms may apply. We will go through all your options with you.

Do I own the car with PCP?

Ownership will only pass to you if you choose to pay the final balloon payment at the end of the contract.

What happens if I exceed the agreed mileage?

There may be extra charges per mile over your agreed limit, so it is important to select a realistic mileage allowance.