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Personal Contract Hire

Personal Contract Hire (PCH) from car finance has been designed for personal users who are maybe opting out of a company car scheme or joining a new company that provides a company car allowance, instead of a company car. The Personal Contract Hire agreement with Car-Finance is also available for private use. A PCH contract with car finance includes road fund licence and, if required, service and maintenance. Rental periods typically vary between 24 and 48 months, there is no large initial payment to be made as deposits are usually equivalent to 1 or 3 months rental. At the end of the loan contract the vehicle is returned to the lender at the agreed contract mileage with no final or balloon payment to be made.

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