PCP (Personal Contract Purchase)
is a simple cost effective way to buy your new or nearly new vehicle.
You choose the vehicle, the deposit, how long you want the contract to run for and the mileage you intend to do. You will then receive a quote for fixed cost motoring for the length of the contract. At the end of the contract you have a choice to either buy the vehicle outright for an agreed lump sum (the Guaranteed Minimum Future Value or final balloon payment), or hand the vehicle back to the lender.
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Hire Purchase
Hire Purchase allows you to take ownership of a vehicle once all payments are made.
This is one of the most popular methods to buy a new vehicle. You pay an initial deposit, then pay off the balance in monthly payments over an agreed period of time, when the payments are complete the vehicle is yours.
One of the main benefits with Hire Purchase is the ability to buy a high value vehicle on monthly payments.
Hire Purchase allows you to tailor your finance package as deposit, length of time and monthly payments are all flexible.
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Personal Contract Hire (PCH)
Initial rental of £3,000 followed by 47 monthly rentals of £249. Based on 6,000* miles per annum.
We are a credit broker and not a lender. Finance is subject to status and finance company acceptance. We can introduce you to a limited number of lenders and their finance products. We will typically receive a commission from the lender, as either a fixed fee or a fixed percentage on the amount you borrow. The commission we earn does not change by the type of finance. A guarantee may be required. The finance rate will vary dependent of customer personal circumstances for in dealership purchases.
Includes Charger^, Servicing~ & Insurance+
^Home Charger Offer available on new MINI Cooper Electric cars ordered between 06 November 2024 and 31 December 2024 and registered by 31 December 2024. Home Charger supplied is a 7KW Universal Home charger with standard installation by Pod Point. Pod Point will charge for any additional installation work required. Home charger supplied and installed by Pod Point not Vertu Motors. Ask for further details.
~T&Cs apply. Cover applicable for Electric vehicles until four years from vehicle registration and, Petrol and PHEV vehicles until five years from vehicle registration.
+Terms, conditions and exclusions apply. Offer valid for new all-Electric MINI family models ordered from 2 July 2024 to 2 January 2025 and registered by 31 March 2025. Offer excludes MINI John Cooper Works models. Drivers must be aged between 25-80. For full terms and conditions visit www.mini.co.uk/en_GB/home/finance-and-insurance/mini-one-year-free-insurance.html.
Vertu MINI is a trading name of Vertu Motors (Continental) Limited which is authorised and regulated by the Financial Conduct Authority. Company registration number 02156457. VAT Registration number 902737238. Registered office: Vertu House, Fifth Avenue Business Park, Team Valley, Gateshead, NE11 0XA
Lease
Personal contract hire is very similar to normal contract hire but is exclusively for private individuals. This is one of the most common forms of leasing.
With a personal contract hire agreement you take control of a vehicle for a contractual period - usually referred to as the 'lease period'. You will make fixed monthly payments for the duration of the contract - when the contract expires you will simply return the vehicle and take out a new personal contract hire lease. PCH means you never have to worry about resale values of your vehicle.
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