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Personal Contract Hire PCH


Personal Contract Hire (PCH) or Lease Purchase is a form of long term rental. This is perfect for those who know they will be looking to choose another car once the car finance agreement period on their current vehicle is over.

PCH works in a similar way to Personal Contract Purchase (PCP) but the main difference is that the ownership of the vehicle will not be assumed at the end of the agreement period. Instead, the car would be handed back by you without any further financial obligation or one-off payments. At this point however, another vehicle could be chosen under the same scheme (subject to credit and status checks).

The PCH contract is based on a fixed term and mileage. It can be cheaper to select a contract with a lower mileage, however, if you exceed the mileage limit stipulated on your contract, you will incur a charge, so it’s always best to choose the most appropriated PCH contract for your circumstances and lifestyle.

PCH in many ways combines maximum flexibility in your choice of vehicle with the benefit of driving a brand new car every few years.

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