Personal Contract Hire (PCH)
Simple Leasing with No Ownership Hassles

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.

What is PCH?

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?

1. Choose your preferred Mazda, Subaru, or Isuzu from our range.
   
2. Agree on your contract length, mileage allowance, and optional maintenance.
3. Make fixed monthly payments throughout the agreement.
4. At the end of the term, return the car – then decide if you'd like to lease another.

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.

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