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Hire Purchase (or HP, for short) is a simple finance option designed to help you purchase a car via monthly instalments. Once you have paid your final instalment and the option to purchase fee, you’ll own the car. The agreement can be broken down into three easy steps:

• Flexible Deposit.
• Fixed monthly payments.
• Ownership at the end of agreement.

Personal Contract Purchase (or PCP, for short) is a flexible finance option designed to help you pay for your car over a fixed period of time. You will pay for the car via monthly repayments and at the end of your term you have three options to choose from:

• Simply change the car for a new one.
• Keep the car by paying the optional purchase payment and become the legal owner.
• Give the car back and walk away (fees may be payable).