What is PCP Finance?

PCP (Personal Contract Purchase) is a flexible vehicle financing option that allows you to drive a car or van with lower monthly payments and multiple end-of-term choices.At Vanwise, we offer a variety of flexible PCP finance plans with a representative APR of 9.9%, helping you get behind the wheel of your chosen car or van sooner than you might think.

How PCP Finance Works

Initial Deposit: Start with a low initial deposit.
Monthly Payments: Make lower monthly payments compared to other finance options, as you're not paying off the full value of the vehicle during the term.
Guaranteed Future Value (GFV): At the end of the term, you have several options based on the Guaranteed Future Value of the vehicle.

End-of-Term Options

Return the Vehicle: Hand back the car or van with no further payments, subject to mileage and condition.
Keep the Vehicle: Pay the optional final balloon payment to own the vehicle outright.
Trade In: Trade the vehicle for a new model, using any equity towards your next PCP agreement.

Benefits of PCP Finance

Lower Monthly Payments: Pay less each month compared to other finance options.
Flexibility: Choose a new model every few years without the long-term commitment.
Options at End of Term: Decide whether to return, keep, or trade in your vehicle.

Who is PCP Finance Suitable For?

PCP is ideal for drivers who enjoy driving newer models and want the flexibility to change vehicles more frequently. With our extensive range of cars and vans, Vanwise will help you find the perfect PCP plan to suit your lifestyle and budget.

Expert Assistance

Our finance specialists are here to guide you through the process, ensuring you make an informed decision that meets your needs. Contact us today to explore our PCP finance options, our wide range of vehicles, or to test drive one of our models. Feel free to call or enquire online and our specialists will get back to you.

General Terms and Conditions

Please note you will not own the vehicle outright until all payments are made.
If you default on your finance payments, then the vehicle may be repossessed by the finance provider.
You must be 18 years or older to apply for finance.
Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances.
If you require any further information please do not hesitate to contact us.
The finance provider will have their own Terms and Conditions, please contact them directly for further information.

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Company Info

Reg Office: London Road, Harlow, United Kingdom, CM17 9AN

Reg. Company Number: 4907341

VAT Reg. No. 830236069

Financial disclosure

Vanwise Group Ltd is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Vanwise Group Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.