Is Car Finance Right for Me?

Choosing the right car finance option depends on your individual needs, preferences, and financial situation.

Below is a comparison of the three main finance types we offer at Green 4 Motor Company: PCP, HP, and PCH.

Personal Contract Purchase (PCP)

Best for: Drivers seeking flexibility with lower monthly payments and the option to own the car at the end.

• Ownership: Optional at the end of the agreement.
• Monthly Payments: Typically lower, as you're paying off the car's depreciation.
• Deposit: Usually required.
• Mileage Restrictions: Yes; exceeding the limit may incur charges.
• End-of-Term Options:
  -Pay the final balloon payment to own the car.
  -Return the car with no further obligations (subject to mileage and condition).
  -Part-exchange for a new vehicle.

Best for: Individuals aiming for straightforward ownership with fixed payments.

• Ownership: You own the car outright after the final payment.
• Monthly Payments: Higher than PCP, as you're paying off the full value of the car.
• Deposit: Usually required.
• Mileage Restrictions: None.
• End-of-Term Options:
  -No further payments; the car is yours to keep.

Best for: Those who prefer leasing a car without the intention of ownership.

• Ownership: You never own the car.
• Monthly Payments: Fixed and often lower, as you're only renting the car.
• Deposit: Typically required.
• Mileage Restrictions: Yes; exceeding the limit may incur charges.
• End-of-Term Options:
  -Return the car and, if desired, lease a new one.

Quick Comparison Table

Need Assistance?

At Green 4 Motor Company, we're committed to helping you find the finance option that best suits your lifestyle and budget. Whether you're interested in a Mazda, Subaru, or Isuzu, our finance specialists are here to guide you through the process.

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