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Home > News > PCH

PCH

4th January 2021

What is Personal Contract Hire and how does it work?

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Trident Park, Trident Way, Blackburn BB1 3NU

Monday - Thursday: 9:00am - 7:00pm
Friday: 9:00am - 5:00pm
Saturday: 9:00am - 3:00pm
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Hippo Vehicle Solutions Limited t/a Zero Deposit Car Leasing is authorised and regulated by the Financial Conduct Authority. FRN 658076, you can check this at www.fca.org.uk. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only.

In the event your application for a hire agreement is unsuccessful, we may be able to offer you the opportunity to purchase your chosen vehicle through a personal contract purchase or hire purchase agreement. In these circumstances the pricing information displayed on this page will not apply and we will provide you with further details should the circumstance arise.

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected] . This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB13NU.

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. We may select Oasis Motor Finance Ltd, a lender owned by our director, if it is the most appropriate option for your needs. Below are Representative Examples of both our PCP and HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Personal Contract Purchase)

Personal Contract Purchase (PCP) Finance Example: Cash Price £12,480.00. Total Deposit £0. Total Amount of Credit £12,480.00. Annual Mileage 10,000 miles**.** Excess Mileage is charged at 8p per mile. First Payment of £297.11, Followed by 47 Payments of £297.11, with an Optional Final Payment of £4,590.00. Duration of Agreement is 48 Months. Fees of £0.00 are included in the payments shown. Interest Charges of £6,371.28. Total Amount Payable £18,851.28 Annual Fixed Interest Rate of 10.8%. Representative APR 18.9%.

Representative Example Of Credit (Hire Purchase)

Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £0. Total Amount of Credit £12,480.00. 60 monthly repayments of £313.10. Interest Charges of £6,306.00 Total Amount Payable £18,786.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.

COVID-19 Update

We are OPEN for business and are conducting deliveries and collections with strict social distancing in place and all cars are fully sanitised