Vehicle Finance

Personal Contract Purchase (PCP)

Lower monthly payments with flexible end-of-contract options: the smart way to drive your next vehicle.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose PCP Finance

Maximum flexibility. Minimum monthly commitment.

Lower Monthly Payments

PCP spreads the cost of depreciation only, keeping monthly payments lower than HP.

Three End-of-Contract Options

Return the vehicle, pay the balloon and own it, or part-exchange into a new car.

Ideal for Regular Upgrades

Perfect for those who like to change vehicles every 2–4 years.

Access to Luxury Vehicles

Drive a higher-specification vehicle than you might otherwise afford outright.

Agreed Mileage Limit

Mileage is agreed upfront: keep within it and excess charges do not apply.

Flexible Deposit

Adjust your deposit to find a monthly payment that works for your budget.

Our Finance Process

How It Works

A simple process designed around you

Apply & Consult

Tell us about the vehicle and your expected mileage. We'll structure the best PCP offer.

Credit Approval

We approach specialist lenders to secure a competitive PCP approval on your behalf.

Document Signing

Review your agreement including the Guaranteed Minimum Future Value (GMFV) and sign with confidence.

Collect Your Keys

Funds released, deal completed. Enjoy your vehicle for the term of your agreement.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Fast working capital solutions with flexible repayment structures.

Bridging Loans

Short-term secured finance for time-sensitive opportunities.

Asset Finance

Fund equipment and machinery without straining cashflow.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

You have three choices: (1) Return the vehicle at no further cost if it is within mileage and fair condition. (2) Pay the Guaranteed Minimum Future Value (GMFV) balloon payment and own the vehicle outright. (3) Use any positive equity in the vehicle as a deposit on a new PCP agreement.

Your monthly payment is based on the vehicle's purchase price, minus your deposit, minus the GMFV (the predicted future value), divided by the number of months in the term. Interest is applied to the total amount financed.

Excess mileage charges are specified in your agreement upfront. They typically range from 6p to 12p per excess mile. If you anticipate covering more miles, it is better to agree a higher limit at the outset, which will reduce the GMFV and slightly increase monthly payments.

Yes. You may be able to voluntarily terminate your PCP agreement once you have paid 50% of the total amount payable, under the Consumer Credit Act. Alternatively, you can settle in full at any time. We can advise on the most favourable approach.

Our Lender Panel