car finance

Personal Contract Hire

Funding Options
(PCH) – Individual Users

PCH is very straightforward, and as the name suggests a long term hire agreement. You choose the Make and Model, confirm your annual mileage and a specific quote will be provided.

Principal benefits include:

  • Low initial payment.
  • All scheduled servicing, maintenance, tyres can be included, effectively ‘ring-fencing’ running costs.
  • Servicing and Breakdown support nationwide.
  • Fixed rentals allow for accurate budgeting.
  • Flexible terms – variable contract duration and mileage.

Road tax is included for the duration of the agreement.

Manufacturers are frequently changing discounts, bringing out new models, and creating special campaigns. We keep up to speed with many contemporary promotions, and would be happy to discuss with you current ‘Special Offers’.

We will discuss your likely usage pattern, and whether you require a maintenance package, to ensure we understand your needs and that all details are clearly understood.

WHAT ARE THE BENEFITS OF PCH?

  • Simplicity. No need to trawl through numerous motor dealers propositions
  • Transparency. A fixed monthly cost covers all depreciation, Road Fund Licence, and maintenance – if selected – makes easier budgeting.
  • Flexible payment structure – from 24 to 60 months.
  • Wide range of vehicles available.
  • New vehicle available at affordable monthly payment.
  • The vehicle is not subject to Benefit in Kind tax.
  • Complete freedom of choice – Make, Model, Specification.
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