PCP puts you in the driving seat

Maximise your choice and minimise your monthly repayments with personal contract purchase (PCP) car finance.

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Average star score of 4.5 in trustpilot

See if you’re pre-approved*

Check your rate for PCP with no impact on your credit score via our trusted partner Motiv.

You'll need the registration number of the car you want to buy. Hit the link below to go to their website.

Representative APR 12.9%.

Take me there

*You’re approved in principle for car finance, but for final approval, we’ll need to verify your details and check that you're buying a car within our eligibility criteria.

Why choose PCP?

Typically lower monthly repayments

With PCP, you’re not paying off the full value of the car in instalments, so repayments tend to be lower than other financing options.

Get more for your money

With lower monthly repayments, your budget can go further so you could get behind the wheel of a newer model with lower miles.

Finance that’s flexible

In the final month of your term, you can decide to make a final payment and own the car, trade in for another model or simply return the vehicle to us.

Cars that qualify...

  • Under 5 years old

  • Driven less than 70,000 miles

  • Sold by trusted dealership

We only work with dealerships who are regulated by the Financial Conduct Authority and have a good credit history.

What your agreement will look like

Example 5 year term (61 months in total)

1. Pay a deposit

Upfront

2. Make monthly repayments

60 months

3. Options in final month
  • Make final payment to own the car

  • Trade in

  • Return it

The journey from start to finish

1

Get pre-approved for finance via our price-comparison partners.

2

Tell us about the car you want and how many miles you expect to drive and we'll give you a quote.

3

Review and sign your PCP agreement online.

4

Pay your deposit and pick up your new car.

5

Pay the finance back monthly until the final month, then let us know if you want to buy, trade in or return.

It’s important to remember that PCP is a secured loan, which means you don’t own the car straight away and it can be repossessed if you fall behind on repayments.

People often ask us

See if you’re pre-approved*

Check your rate for PCP with no impact on your credit score via our trusted partner Motiv.

You'll need the registration number of the car you want to buy. Hit the link below to go to their website.

Representative APR 12.9%.

Take me there

*You’re approved in principle for car finance, but for final approval, we’ll need to verify your details and check that you're buying a car within our eligibility criteria.

Award-winning loans

Following our win in 2023, Zopa won Best Personal Loan Provider at the British Bank Awards again in 2024! These awards are voted for by the people that matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone that voted for us. 

See our awards

Unsure what car finance is best for you?

Head to our comparison page to review the different options we offer for financing your next car.

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