pcp explained

PCP Explained

Affordably spread the cost of your new Subaru


With PCP you can keep your monthly payments low by deferring a significant proportion of the total amount of credit to the optional final payment at the end of the agreement.

PCP (Personal Contract Purchase) splits the cost of your chosen vehicle into 3 simple steps


Drive away a brand new car
Fixed Regular Payments
Worry free Guaranteed
Future Value

Take more control over the finance of your vehicle and set your own payment structure based on your annual mileage. This means you could drive away a higher spec car and even part exchange it (subject to settlement of your existing agreement) for a new one every 2-3 years if you wish to, subject to a further credit application being approved (credit is subject to status).

With Personal Contract Purchase you spread the cost of the vehicle with fixed, affordable and regular monthly payments over the period of your choice from 25 months to 49 months.

With Personal Contract Purchase Subaru Finance guarantee the vehicle will be worth the deferred optional final payment at the end of the agreement subject to the vehicle being returned in good condition (fair wear and tear accepted) and not having exceeded the maximum agreed mileage . This means you can avoid negative equity if you exercise your right to return the goods at the end of the agreement, so no nasty surprises.’


Return & Part Exchange
Return the car

Part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

Pay the optional final payment to own the vehicle.

Return the vehicle and not pay the optional final payment. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply.

Terms and Conditions:
Subaru Finance Personal Contract Purchase is based on a maximum agreed mileage with your dealer before you sign your agreement.
Credit is available to UK residents aged 18 years and over, subject to status. Available at participating dealers only. For further details please contact your nearest Subaru dealership. Subaru Finance is a trading style of International Motors Finance Limited, registered office at Charterhall House, Charterhall Drive, Chester, Cheshire, CH88 3AN.