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PCP Finance In Essex

This kind of finance is shortened to PCP and is growing in popularity.

Once you have found the car you like, we will then chat to you about the finance options available - if that is the route you want to go down.

With PCP, you sometimes pay a deposit at the start of the agreement, and then you pay a monthly fee back to the finance company.

This is an even amount spread over 12 to 28 months, sometimes longer.

At the end of the agreement, you will usually have three options:

  1. Hand the car back to the finance company
  2. Part exchange the vehicle for a new finance deal and car
  3. Buy the car outright by paying a balloon payment which is calculated based on the guaranteed future value of the car, calculated at the time of the agreement being taken out.

With PCP, you will have an annual mileage agreement which will protect the value of the car. Everything would be detailed out for you so you know all of the details before signing up.

We have a huge range of vehicles in stock, so you can choose the one that is right for you and then source a finance agreement from one of our lenders.

Why Consider Personal Contract Purchase?

Low or no deposits

There are low or no deposit options for PCP agreements. This means you can use your personal savings for other things or leverage your money for business.

Clear guidelines

Everything is detailed out, from the mileage to the payments, so you know what to expect.


A fixed interest affordable monthly payment. You will know exactly what you are paying with no nasty surprises along the way

Flexible options

There are a number of options at the end of the agreement, which can be helpful to a lot of people.

We work with a number of different lenders to maximise the chances of you being accepted. Complete our two-minute application or get in touch with a member of the team to find out more about Personal Contract Purchase

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