Volkswagen PCP Car Finance
- No Deposit
- We help find you the perfect car
- PCP and HP from 8.9% APR
- Free car history and dealer quality check
Scratching your head wondering where to find the best Volkswagen PCP deals? Relieve the itch here at Car Money.
We can steer you towards market leading VW PCP deals. We can give you a run-down of exactly what personal contract purchase entails. Our unbiased and fast car finance service will help you choose the VW PCP plan that is right for you.
Personal Contract Purchase Explained (PCP)?
Customer Review
Personal contract purchase is, essentially, just another loan for getting a new car.
However, unlike with a hire purchase agreement, you pay only on the depreciation of the vehicle.
After an initial deposit (if required), you make monthly payments for the duration of the agreement.
When the finance terms end, you don’t own the car; unless you pay a lump sum.
If you prefer a flexible car finance option that allows you to lease a car for shorter terms, before being able to change your car every 2-4 years, then a PCP car finance deal would suit you well.
Choose a Volkswagen PCP finance deal, and drive away with a new car on finance. And when you think it’s time for a change, you can quickly and easily upgrade your car. So whether you are after a sporty Golf or a reliable Polo, you can do so with VW PCP deals from Car Money.
Benefits
- Low initial deposit
- Low monthly payments
- Flexible options at the end of the agreement
- A specified Guaranteed Minimum Future Value (GMFV), therefore protecting you from market fluctuations
Considerations
- If you exceed the anticipated annual mileage there may be an excess mileage charge at the end of the contract
- The loan is secured against the vehicle as such if you miss payments then the vehicle may be repossessed
Is Volkswagen PCP finance right for you?
The main benefit of personal contract purchase agreements is that they are ideal for people who like to change cars quite often. But there are a few more benefits of PCP that you should know about before fully committing to it.
Here are some more benefits of opting for a Volkswagen PCP finance agreement:
- Low initial deposit & lower monthly repayments. You could drive away a better car than you would if you choose a HP finance agreement.
- A specified Guaranteed Minimum Future Value (GMFV), therefore protecting you from market fluctuations.
It’s a very flexible method of car finance, leaving you with a few options at the end of the agreement, with the option to buy the car outright if you’ve grown to love it.
It’s a very flexible method of car finance, leaving you with a few options at the end of the agreement, with the option to buy the car outright if you’ve grown to love it.
Your Volkswagen PCP finance deal ends. What next?
When you get a new car on a Volkswagen PCP finance agreement, there are 3 options you’ll want to consider when the contract finishes.
If you want to keep the car, you can simply buy it outright with a one-off balloon payment. This isn’t recommended for PCP car finance agreements, but if you absolutely have to keep the car, then you can.
By contrast, perhaps a PCP agreement didn’t suit you. Well that’s no problem. You are free to walk away at the end of the finance term, providing any outstanding charges have been paid (eg. Over-mileage charge or damages).
Or you can switch to a new car by accepting a new PCP agreement, allowing you to upgrade to another Volkswagen or change make and model completely.
That’s the beauty of opting for a Volkswagen PCP finance deal.
Get in touch today and find out how we can get the best VW PCP deals for you.
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Representative Example: Borrow £6,000 with £1,000 deposit over 48 months with a representative APR of 18.8%, monthly payment would be £174.22, with a total cost of credit of £2,362.56 and a total amount payable of £9,362.56. CarMoney Limited can introduce you to a limited number of finance providers based on your credit rating and we will receive a commission for such introductions this can either be a % of the amount borrowed or a flat fee. This does not influence the interest rate you’re offered in any way. CarMoney is a broker not a lender.
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