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Personal Contract Purchase (PCP)

Personal contract purchase or PCP is similar to hire purchase. You’re likely to be asked to pay an initial deposit, and then monthly payments for a set period. The higher your deposit, generally, the lower the monthly payments. Even with the deposit though, monthly payments are typically lower than you’d find with a hire purchase deal or a personal loan. This is because you'll be paying off the value of the depreciation of the car, not the full value of the car.

At the end of the agreement, if you decide you want to keep the car, you’ll need to pay what’s known as a ‘balloon payment’. This covers the cost of the vehicle and transfers ownership from the finance company to you. If you don’t want to keep the vehicle, you can give it back, or start a new PCP deal and get a new car.


Personal Loan

A personal loan sometimes called an unsecured loan, allows you to borrow a lump sum over a fixed term. This isn’t secured against anything. That means if you use a personal loan to pay for your car, you’ll own it outright from the day the money is transferred to the dealer. As such, you can sell the vehicle at any time, without needing to settle up with the finance company first. If you think this would be a better option for you then you may want to visit our page for a quote.


Hire Purchase (HP)

Hire purchase or HP is an arrangement where you hire the car from a finance company until you’ve fully paid for it. The company own the vehicle until the final payment is made, after which time it’s yours to keep. Hire purchase tends to require a deposit usually 10% of the car’s value. The higher the deposit, the lower the monthly payments.


What you'll need to apply

​✔️ Your current UK address
✔️ A contact phone number and email address
✔️ Annual income
✔️ General outgoings


Using "Compare car finance" powered by Confused will not affect your credit rating as only soft searches will be carried out. is a credit broker, not a lender. Our website makes it easy for you to compare a wide variety of car finance products, all from a range of trusted providers. If you decide to buy through us, we get a small fee from one of these providers. Comparing with us costs you nothing! And please note, the size of the provider’s fee doesn’t affect how we display our products.