Personal Contract Purchase in the UK


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How we find you the best Personal Contract Purchase deals in the UK

It’s never been easier to find personal contract purchase in the UK. Complete our quick and easy online application to get automatically matched with a certified lender. Save yourself the time and stress of waiting in line. Our online process is secure and sure to find the car loan deal you’ve been looking for. Get started today and get matched with a certified lender.

The world of car financing probably isn’t familiar to most people. You only purchase a vehicle once in a while so it’s good to have an expert on your side. Ratewise searches through the range of offerings to pick the best personal contract purchase in the UK for you. Your best pick will give you the best chances of approval and the lowest rate available, so you can enjoy an affordable car finance deal.

Our online application is designed to capture information unique to you to deliver a tailored car financing experience. You will be matched with a certified lender within our vast lender community that is best suited to meet your needs. Our lender partner will ensure that you receive personal contract purchase in the UK at the best price, loan terms, and interest rate available.

There’s no better time to find personal contract purchase in the UK. Ratewise offers you an accessible way to connect with the right lender for you. Our application and matching service is absolutely free.

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Here are some frequently asked questions about car loans. Have a different question? Contact us today.

What affects personal contract purchase rates in the UK?

Personal contract purchase rates are determined by several factors, such as your credit score, yearly income, current debts, the loan amount and loan term you wish to borrow for.

Generally speaking, the higher your credit score is, the lower your personal contract purchase interest rate can be. Lenders also look at your debt to income ratio to make sure that your payments are reasonable based on your monthly income.

What can you do to save on personal contract purchase in the UK?

You are already taking the first steps to saving on personal contract purchase financing. When you apply with Ratewise, we automatically match you with the best deal for your situation.

What types of car financing are there?

Personal loan – Also known as a car loan, it is a very common way to finance a new car. A lender approves you for a loan and when you buy the car, you’ll get ownership and pay back your loan afterward.

Personal contract purchase (PCP) – With this option, you make a deposit (usually 10%) and you make fixed monthly payments, like a mortgage. The car will belong to the lender during the contract. Due to the down payment, your monthly payments tend to be lower than with a car loan. When the loan period ends you can pay the remaining value of the car to keep it or return or exchange the car.

Hire purchase (HP) – This option requires a deposit and fixed monthly payments. The car is owned by the lender and you’ll own the car after you’ve made the final payment.

Car leasing – This option involves renting the car for a period of time while making monthly payments. You won’t have the option to buy the car at the end of the contract. But some people like this option because they can get a new car every few years.

What should I look for in a good personal contract purchase deal?

Ratewise will help you find the best personal contract purchase deal for your situation. Apply for free online and you’ll be matched with a certified lender who can offer the best personal contract purchase deal for you.

Can I still get a personal contract purchase car loan even if I have poor credit?

You can still get a personal contract purchase if you have poor credit. If you have poor credit, you should apply with Ratewise for a personal contract purchase and we will match you with a certified lender that will provide you a personal contract purchase deal for your circumstances.

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