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Personal car leasing and contract hire - leasing that's focused on you
Car leasing is quickly becoming the best and most affordable way to get your hands on a brand-new vehicle and while many years ago this concept was thought of as a business only product, there are certainly both personal leasing and business leasing deals available.
So, let’s look at the most popular form of vehicle lease agreement – Personal Contract Hire.
Personal contract hire fully explained
Personal Contract Hire, also referred to as Personal Leasing or abbreviated to simply ‘PCH’, is a form of leasing agreement designed for individual consumers. Contract Hire works like a long-term rental agreement. You simply rent a vehicle over a set number of years (measured in months – i.e. 24, 36, 48) and then the vehicle is collected at the end, freeing you from having to sell the vehicle at a heavily reduced rate compared to what you spent on it brand new (depreciated value).
The concept is simple enough:
- You choose a brand new car that you want.
- You can add some fun and functional options to it.
- We order that car through a franchised dealership.
- A Finance Company (a.k.a. Funder) then buys that car.
- You are then in agreement with the Funder, paying them a pre-agreed fixed payment each month.
- The Funder then collects the vehicle at the end of your contract hire term.
What are the benefits of personal contract hire for me?
What do I need to know about personal contract hire?
You should always think about whether a financial product is right for you, by looking at its drawbacks.
With a Personal Contract Hire agreement, some points to consider would be:
- You will not own the car - The legal owner of the car will be the Funder
- You must have fully comprehensive insurance - You are responsible for this and must have appropriate insurance
- Terminating the contract early can be expensive - An 'Early Termination' will incur a fee from the Funder
- You are limited on your mileage - You will agree to a contract mileage allowance, over miles will incur a cost
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How our leasing process works
It couldn't be easier to lease a car with us, we have a simple 3 step process that you will be guided on by both our website and our friendly sales and support teams:
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Electric car personal leasing
If you want to become a part of the electric vehicle revolution, you can lease an electric car with us today. The process is exactly the same as it would be for petrol and diesel models, making it as easy as possible to lease a brand-new EV.
Click one of the options below to view our full list of electric car lease deals for your personal use, or read more of our electric leasing guides.
Electric & hybrid car leasing explained
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