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Want the simplicity of fixed monthly payments with none of the long-term commitment? Personal Contract Hire (PCH) could be the perfect option. With PCH, you can enjoy driving a brand-new Mazda, Subaru, or Isuzu for an agreed term, then simply hand it back at the end – no resale worries, no balloon payments, just easy motoring.
PCH is a leasing agreement that allows you to use a new vehicle for a set period, typically between 2–4 years. Unlike other finance types, you’re not paying to own the vehicle – you’re paying to lease it. Once the agreement ends, you return the car and can move on to your next one.
You’ll agree on an annual mileage limit and pay fixed monthly instalments throughout the contract. It’s a simple and affordable way to enjoy the latest models without the responsibilities of ownership.
How Does PCH Work?
The Benefits of PCH
• Fixed monthly costs for easier budgeting.
• No depreciation or resale hassle – just hand the car back.
• Lower monthly payments compared to some finance options.
• Access to the latest vehicles with the latest tech and safety features.
• Maintenance packages available for stress-free servicing.
What to Keep in Mind
• PCH is a lease – you won’t own the car.
• You’ll agree a mileage limit upfront – excess mileage may incur charges.
• You’re committed to the full contract term – early termination may involve fees.
• The vehicle must be insured, maintained, and returned in good condition.
Can I End a PCH Agreement Early?
Yes, it’s possible to end your PCH agreement early – but it’s important to understand the terms. Ending a lease before the agreed contract term usually involves an early termination fee, which can be substantial, depending on how far along you are in the agreement.
In most cases, you may be required to pay up to 50% (or more) of the remaining monthly payments. The exact figure will depend on your leasing provider and the contract terms.
If your circumstances change or you’re thinking of ending your agreement early, speak to our team first. At Green 4 Motor Company, we’ll guide you through your options and help you make the most informed decision – whether that’s settling early or switching into a new Mazda, Subaru, or Isuzu.
At Green 4 Motor Company, we’ll help you explore the right finance solution across Mazda, Subaru and Isuzu – and ensure everything is tailored to your needs.
Whatever your question or feedback we are here to help. So please feel free to contact us
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Green 4 Motor Company is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd.’s permissions as a Principal Firm allows Green 4 Motor Company to act as a credit broker, not a lender, for the introduction to a limited number of lenders. We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor. Our approach is to introduce you first to Mazda Financial Services who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives and which you are eligible for from our panel of lenders. If you purchase a vehicle, in most cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and Mazda Financial Services may also provide preferential rates to us for the funding of our vehicle stock and provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.
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