Personal Contract Hire

Tailored Personal Contract Hire (PCH)

Personal Contract Hire (PCH) is tailored to suit your personal circumstance, with predictable, regular monthly payments that cover all major costs normally associated with running a car. With PCH you enjoy real security and peace of mind.


  • No additional fees
  • Significant tax advantages
  • Choose any make. We'll source and deliver free of charge
  • Enjoy a new car every two or three years
  • Low deposit and payments that tend to be lower than a personal car loan
  • Low fixed monthly payments making budget planning easier
  • Contract length and mileage tailored to your specific requirements
  • Maintenance and breakdown options available, spreading the cost
  • GAP insurance and early termination insurance available
  • As you never technically own the vehicle, neither disposal nor depreciation are your concern 


The most common form of private car leasing, Personal Contract Hire is a long-term vehicle rental agreement for private car users. It’s becoming increasingly popular as an alternative to purchasing brand-new vehicles, especially those which might otherwise have an unreachable on-the-road cost.

Using our fleet purchasing power, we source the vehicle of your choice and deliver free of charge. You will have decided previously on the deposit you wish to pay, and the length of the contract. We then fix an agreed future value which is guaranteed, subject to mileage and good condition, and your monthly payment is calculated accordingly. It's very flexible and we think the cost options will pleasantly surprise you.

You are required to arrange your own fully comprehensive insurance, pay for your own fuel and keep the vehicle topped up with oil and in good condition. Personal Contract Hire is available with or without maintenance and VAT is payable on the rental.

At the end of the agreement simply return your vehicle to the finance company and you’re free to lease or purchase a new one. Alternatively, you may have the option to pay the remainder of the vehicle’s value and then own the vehicle if the finance company agrees.


  • You don’t want to own the car
  • You prefer to change your car frequently
  • You want a fixed cost of motoring to make budgeting easier
  • You’d like to drive a more expensive vehicle than your current budget allows
  • You don’t want to worry about the risks of depreciation
  • You’re aware that cars with poor residual values will increase your monthly payments
  • You’re aware of any early termination and excess mileage penalties

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