Personal Contract Hire
Personal car leasing allows you to get behind the wheel of a brand-new vehicle with no worry about depreciation or hidden costs. Our extensive network of manufacturers, dealers and funders can ensure you find the perfect match.
Alternatively, please contact our Leasing Consultants for expert advice.
What is Personal Contract Hire (PCH)?
Personal Contract Hire (PCH), otherwise known as personal leasing, is a long-term agreement that allows you to get behind the wheel of a brand-new car for significantly less than when purchasing. The process can be compared to renting a house, making it ideal for individuals that aren’t interested in being responsible for the long-term costs associated with being the owner of a vehicle.
Once you’ve found the ideal car or van for your lifestyle, you’ll typically pay an initial deposit, followed by fixed monthly payments for your agreed term. Once your agreement is up, you’re able to find a replacement and start a new agreement, or simply hand the car back and walk away.
You can also choose to integrate additional costs such as routine maintenance into your overall agreement, allowing you to make one convenient payment and rest assured knowing you’re all set.
Our Hottest PCH Deals
Browse personal lease deals by Manufacturer
We work with the world’s largest automotive manufacturers to offer you the widest range of car lease deals:
Our Most Popular Models
| 1. MINI Cooper | 6. Volkswagen Golf |
| 2. Toyota Aygo X | 7. Kia Sportage |
| 3. Audi A5 | 8. Volkswagen T-Roc |
| 4. CUPRA Formentor | 9. Volvo XC60 |
| 5. MINI Countryman | 10. Kia XCeed |
How does PCH work?
Your personal contract hire agreement will be hassle-free, allowing you to enjoy your vehicle with no stress.
1. Find your perfect car
Search through our extensive range of PCH car deals to find the perfect match and enquire online.
2. Complete application
We’ll get in touch to answer any questions and assist in completing your lease application.
3. Enjoy your vehicle
Once your vehicle is delivered, simply make your agreed payment each month and enjoy everything your car has to offer.
4. Return the vehicle
At the end of your agreement, you can replace your vehicle with a newer model, or hand the car back and walk away, no questions asked.
Is PCH right for me?
If you aren’t interested being responsible for the long-term costs associated with purchasing a car, then a PCH lease agreement could be the ideal alternative. There are some factors to consider though, including:
- Credit Score: Your credit history has a significant impact on which PCH deals and rates are available to you. Our associates can guide you through every step of the way and will ensure you’re only offered the best deals.
- Future Plans: You're liable for the payments and terms agreed when signing the lease deal, so consider your future plans to ensure a lease agreement is the right option.
- Mileage Allowances: Your agreed mileage allowance should cover every trip you make, so ensure it gives you plenty of room to enjoy your daily activities without any stress.
- Maintenance: While you’re not the legal owner of the car, you’re still responsible for the general upkeep of the vehicle while it’s in your possession. Consider the costs of comprehensive insurance and maintenance if not taking out a complete package.
We're more than a personal vehicle leasing provider
Hear how we can fulfill your complete mobility needs in our customer's independent reviews.
Ready to apply?
Simply fill out your details online to start your leasing journey.
Frequently Asked Questions
Do you accept bad credit?
We can cater our deals to suit a wide range of credit scores and profiles. Once you've completed your application, we'll be in touch to discuss the best deals available for your personal circumstances. If you're unsure or have any concerns, please contact us and we will be more than happy to help.
What's the difference between Personal Contract Purchase (PCP) and Personal Contract Hire (PCH)?
Personal Contract Hire agreements are where your lease (or effectively 'rent') a car or van. This allows you to avoid costs associated with ownership, such as depreciation, and generally get a lower monthly payment. Once your agreement comes to an end, you can simply hand your car back and agree a deal on a new vehicle.
Personal Contract Purchase agreements on the other hand can be compared to taking out a mortgage on a house. As you'll be buying the car (and not 'renting' it like with a PCH agreement), you'll feel the effects of factors such as depreciation over time. You will be the legal owner once the agreement comes to an end though.
What happens to the vehicle at the end of a Personal Contract Hire agreement?
When your PCH agreement is coming to an end you'll have a couple of options. A significant amount of PCH users choose to agree a new deal on a brand-new car, ensuring they continue to enjoy the benefits for years to come. You can also choose to simply hand the car back and walk away with no questions asked, allowing you to consider your options before you make a decision.
It's worth noting that at the end of a PCH agreement, the vehicle will be inspected to ensure it's been correctly maintained and cared for. Anything outside of the fair wear and tear guidelines may see you issued with additional charges to repair any issues. An independent inspection company will carry out these checks to ensure it's a fair process.
What's the difference between Hire Purchase (HP) and Personal Contract Hire (PCH)?
Personal Contract Hire agreements are where your lease (or effectively 'rent') a car or van. This allows you to avoid costs associated with ownership, such as depreciation, and generally get a lower monthly payment. Once your agreement comes to an end, you can simply hand your car back and agree a deal on a new vehicle.
Hire Purchase agreements on the other hand see you finance the total cost of the vehicle, with you becoming the legal owner of the car at the end of the term. As the total cost of the agreement is higher, you can generally expect to pay more each month.
What details and documents will I need when applying for a personal lease deal?
Generally, you'll need to provide the following details when completing your application:
- Full name (and previous name if applicable)
- Date of birth
- Marital status
- Residential status
- Address history for the past three years
- Bank details
- Proof of identity (e.g. a valid UK passport)
- Proof of current address (e.g. a utility bill dated in the past three months with full name and current address on it)
- Valid, full UK driving licence
