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Used Prestige Car PCP

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At Saxton 4x4, we specialise in PCP (Personal Contract Purchase) finance options that make owning a used prestige car both affordable and straightforward. Whether you're looking for a robust 4x4, a versatile SUV, or a luxurious prestige or luxury car, our tailored PCP finance solutions are designed to fit your lifestyle and budget.

What is PCP Finance?

Prestige car PCP finance is a popular choice for motorists looking to keep their monthly payments lower while maintaining the flexibility to switch cars at the end of the agreement. This financing option involves paying a deposit followed by lower monthly instalments over a fixed period. At the end of your contract, you have the freedom to choose whether to pay the final balloon payment to own the car, return it, or trade it in for a new model, making it an excellent choice for drivers who like to upgrade their vehicle regularly.

How Prestige Car PCP Finance Works

Step 1: Choose Your Car

Select from our wide range of used prestige, luxury, SUV, and 4x4 vehicles that suit your preferences and needs.

Step 2: Tailor Your Finance

Decide on the size of your deposit, the term of your agreement, and your estimated annual mileage. These factors will determine your regular monthly payments.

Step 3: End of Agreement Options

At the end of your prestige car PCP finance term, you have three options:

Keep the Vehicle: Pay off or refinance the outstanding balance. 
Return the Vehicle: Hand back the car without any further payments, subject to mileage and condition restrictions.
Part Exchange: Trade in the vehicle for a new one on a new PCP agreement, which could cover the balloon payment if your car’s value is higher than the GFV (Guaranteed Future Value).

Benefits of PCP Finance for Used Prestige Cars

Flexibility: Tailor your agreement period and estimated annual mileage to suit your needs. Adjust your deposit and monthly payments to find the perfect balance for your financial situation.
Affordability: With lower monthly payments compared to traditional hire purchase agreements, you can drive away in a higher-specification model than you might have thought possible.
Options at the End of the Term: Decide whether you'd like to buy the car, hand it back, or trade it in for a new model. This flexibility is ideal for those who like to keep their options open.

Frequently Asked Questions

PCP (Personal Contract Purchase) can be suitable if you prefer lower monthly payments and the flexibility to change cars often. It's best for those seeking a newer or more premium car with manageable payments. However, consider the mileage limits and potential charges for excessive wear.

PCP stands for Personal Contract Purchase. It is a type of car finance that provides flexible end-of-term options and generally lower monthly payments.

The choice between PCP and HP (Hire Purchase) depends on your needs. PCP offers lower monthly payments and is ideal for regularly changing vehicles, while HP is straightforward and results in ownership at the end of the term, without a final balloon payment.

Yes, you can end a PCP deal early. You may pay off the remaining balance and the guaranteed future value (GFV) to own the car, or possibly return the car if you've paid half of the total finance amount, subject to the terms of your agreement and the car's condition.

Find Your Perfect Car Now

Find your perfect car now at Saxton, the largest 4x4 dealer in Europe, selling used 4x4 cars at incredible value to customers across the world.

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