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Vauxhall Personal Contract Plan PCP
Lower Payments than Traditional Hire Purchase
PCPs allow you to purchase your car now and defer paying some of the price for 2 to 3 years
- Monthly payments under PCPs are very often lower than hire purchase or personal loan agreements
- You get more for your money – upgrade to a higher specification and model
- Easily change your car every 2 or 3 years, using the value of your vehicle at the end of the term to generate your next deposit
How do PCPs Work ?
Your deposit and monthly payments work just like a normal loan but defer paying a percentage of the loan until the end of the agreement – this means your monthly outgoings are lower. On expiry of the PCP, either :
- Pay the deferred sum and the car is yours
- Hand the car back to the finance company and pay no more ( subject to terms and conditions )
- Upgrade or part exchange your car or van to pay off outstanding finance and generate the deposit for a new model
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