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Introduction to PCP options

Personal Contract Purchase, also known as PCP, offers great flexibility at the end of the agreement, combined with fixed, low monthly payments.
At the beginning of the agreement we will get a guaranteed future value generated, based on an agreed mileage. This is then deferred as a final payment made at the end of the agreement.

PCP offers great flexibility at the end of the agreement

useful information

  • Flexible set up – you decide deposit and term to suit your financial needs.
  • Low, Fixed Monthly Payments – you know all payments from day one.
  • A Better Car – you may be able to get a newer, higher specification car compared to a Hire Purchase agreement.
  • Flexibility – You can change the car at any point during your agreement if it financially works.

If you choose to return the vehicle at the end of the agreement, additional charges may be applied if you have exceeded the mileage limit or the vehicle has any damage not considered to be fair wear and tear

At the end of the agreement you have several options:

  • Purchase the car, by paying the final balloon
  • Part-exchange the car, using any equity towards your next vehicle
  • Sell the car privately, retaining any equity once the balloon has been paid
  • Refinance the final balloon payment
  • Return the car to the finance company
  • We can help you with all the above options to make it easy for you

We understand that finance is confusing, we will talk you through it to make sure you have all the information you need to make an informed choice.
We can run comparison quotes so you can decide which plan works best for you.

Vehicle Finance

Why Finance With Us?


Cars we finance

We are able to fund all of your cars from your daily drive, weekend racer to that special restoration project.

Directly Authorised status disclosure

Lillian Stanley Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 838153). We act as a credit broker not a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We may receive a commission payment from the finance provider if you decide to enter into an agreement with them. You may be able to obtain finance for your purchase from other lenders and you are encouraged to seek alternative quotations. If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at For complaints information when a transaction is completed online, please also access the Online Dispute Resolution platform at