Personal Contract Hire

Personal Contract Hire (PCH), also known as personal car leasing, is the long-term hire of a vehicle for individuals.

With PCH you agree a fixed-term contract with an agreed monthly rental for the use of the vehicle over an agreed period. An initial rental is usually paid at the start of the contract.

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NISSAN QASHQAI HATCHBACK
1.3 DiG-T Acenta Pre...
Term: 24 months
Profile: 9 + 23
Mileage: 5000
£163.81 inc VAT
Booking Fee: £198 inc VAT
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SUZUKI VITARA
1.4 Boosterjet 48V H...
Term: 48 months
Profile: 9 + 47
Mileage: 5000
£168.53 inc VAT
Booking Fee: £198 inc VAT
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KIA SPORTAGE
1.6 CRDi 48V ISG 2 5...
Term: 48 months
Profile: 9 + 47
Mileage: 5000
£199.26 inc VAT
Booking Fee: £198 inc VAT
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CITROEN C3 HATCHBACK
1.2 PureTech 83 Flai...
Term: 48 months
Profile: 9 + 47
Mileage: 5000
£130.49 inc VAT
Booking Fee: £198 inc VAT
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SEAT ARONA
1.0 TSI SE Technolog...
Term: 48 months
Profile: 9 + 47
Mileage: 5000
£157.84 inc VAT
Booking Fee: £198 inc VAT
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VOLKSWAGEN GOLF HATCHBACK
1.5 TSI Life 5dr
Term: 24 months
Profile: 9 + 23
Mileage: 5000
£183.60 inc VAT
Booking Fee: £198 inc VAT
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NISSAN MICRA HATCHBACK
1.0 IG-T 100 Tekna 5...
Term: 48 months
Profile: 9 + 47
Mileage: 5000
£165.46 inc VAT
Booking Fee: £198 inc VAT
FORD FIESTA 1.0 EcoBoost 95 ST-Line Edition 5dr
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FORD FIESTA
1.0 EcoBoost 95 ST-L...
Term: 24 months
Profile: 9 + 23
Mileage: 5000
£131.30 inc VAT
Booking Fee: £198 inc VAT




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More information on Personal Contract Hire:

It benefits customers wishing to eliminate the financial risk associated with disposing of a vehicle. Contracts are usually taken over two, three or four years, providing a high level of flexibility. Some contracts can be formally extended beyond the end of contract date if required. Just ask and we can answer any of your questions regarding extending your contract.


PCH is very similar to Business Contract Hire; both are based on a fixed annual mileage agreed on inception of a contract. You will need to decide how many miles you drive each year before quotations can be obtained. Once you have stated your mileage and considered which vehicle you would like to lease, a quote can be created for you by one of our sales team.


Regulations in regards to making mileage amendments after contracts are live vary from funder to funder, so it is always better to be as accurate as you can be. If you do exceed the agreed allowance at the end of your contract you will pay an excess mileage charge, which will have been agreed upon prior to signing the finance agreement.


Please remember this when deciding upon you annual mileage. If you are looking to have predictable motoring costs adding maintenance to your monthly payment is easy. Maintenance is there to put your mind at rest should any challenges arise with your vehicle and generally covers servicing, routine maintenance, tyres, exhausts and batteries.


Please note that it is the responsibility of the person named on the finance agreement to arrange and pay for fully comprehensive insurance for the vehicle. It is important that the vehicle is returned in accordance with the guidelines set out in the 'Fair Wear and Tear Guide', a copy of which is made available to customers when they are near the end of their PCH agreement.


Find out more in our useful information document, available here.