Below is a brief overview of the different funding methods of personal vehicle acquisition. However, our unique approach involves gaining an in-depth understanding of your individual circumstances and requirements. We make it our business to know your business so for further information or to arrange an appointment please contact us.

Personal contract hire
Personal Contract Hire (PCH), as its name suggests, is essentially the same as Contract Hire but for private individuals.

If you want fixed cost motoring, or have opted out of a company car scheme, then Personal Contract Hire could provide you with hassle free motoring without the residual value risks associated with traditional ownership.

VAT is built into the monthly payments, but is not reclaimable by private individuals. Maintenance packages are usually available so that you don't get any nasty surprises.

Personal contract purchase
Personal Contract Purchase (PCP) is a method of funding where an individual leases a vehicle for a set period at a fixed monthly charge and is also a popular choice for people opting out of company car schemes.

At the end of the contract, there is an optional final payment which the individual can pay to buy the vehicle otherwise they can choose to return the vehicle with nothing further to pay.

The monthly charge is governed by the initial cost of the vehicle, the mileage covered, the length of the agreement and the estimated value of the vehicle at the end of the contract.

Personal hire purchase
Hire Purchase has long-been the traditional method of financing a vehicle with the vehicle becoming the property of the lessee at the end of the period.

The monthly payment is determined by the amount of deposit paid, the length of the contract and the sale price of the vehicle.

Outright purchase
If you have secured your own finance or simply wish to outright purchase you can take advantage of our buying power and manufacturer relationships to source any vehicle, make or model.