Used Car Retailer of the Year 2023

020 8969 5511
Open Today: 10am - 10pm

Personal Contract Plan (PCP) Finance

Same Day PCP Available with Cargiant

Our mission has always been to make buying a used car easy and hassle free
A forward looking plan
We can offer a Personal Contract Plan (or PCP for short) which guarantees a minimum future value for your car at the beginning of your agreement. This way you’ll know exactly what your car will be worth at the end of the contract.

Because we act as a broker not a lender, we have partnered with some of the UK’s leading finance partners such as Black Horse and MotoNovo so you can be confident that you are in safe hands.

And because the loan is secured on the vehicle, your other credit needs are left undisturbed. It’s all about keeping you in control.

Great benefits
With PCP you’re able to afford the car you want for lower fixed monthly payments. You can do this by deferring a significant proportion of the credit to the final payment at the end of the agreement. PCP also allows you to change your car more often, removes the risk of negative equity and protects you against depreciation. 

We understand that taking out finance can sometimes feel complicated and daunting. Our simple online application makes the application process straightforward and our multi-award winning Finance Advisors will support you through the process from start to finish.

We have relationships with many different lenders so can offer a range of finance options for all circumstances. These include flexible deposit options and depending on your personal circumstances these could start from as little as 0% deposit.

PCP Explained

Low fixed repayments

Our PCPs are affordable and practical, with low, fixed repayment terms ranging from 36 to 48 months. 

Keeping your options open

At the end of the term you can either return the car, pay the final lump sum fee and own it outright, or part exchange for a newer model.

There’s also the option to settle the agreement early, in which case you’ll get a rebate on interest charges.

PCP is perfect if you’d like to :

  • Drive the latest model car
  • Keep your options open
  • Stay within a budget

Small deposit, quick decision

We offer flexible deposit options and 0% deposit may be available. Depending on your circumstances, you could be agreed within as little as 10 minutes*. Interested? Visit us for a fast, friendly, free quote.

*subject to status

Start Online Application

PCP Car Finance FAQ's

1. How do I find out more about Car Finance?

Read our Car Finance section online. If you still have unanswered questions and don't feel ready to apply, then call us on *020 8964 7509* to speak to one of our Finance Advisors directly. Alternatively, come to Cargiant and speak to our Finance Advisors face to face. We're open 7 days a week until late every day.

2. What is PCP?

A PCP lets you release the equity in your car at the beginning of the agreement by allowing the finance company to set a Guaranteed Minimum Future Value (GMFV). You agree an annual mileage with us and, after selecting a vehicle, you pay a small deposit. What a PCP effectively does is reduce the term and lower the payment. You are therefore able to change your car more regularly, and at the end of the agreement you have three options:

•    pay the (GMFV) and own the car

•    hand the car back and have no further obligations (subject to mileage and condition)

•    part exchange your car with us and we’ll offer you the best possible price. Any equity left in your car can be used as deposit on your new vehicle.

3. How much should I budget for my car?
Most financial advisors recommend that you don't spend more than 10 to 15% of your gross salary on your car repayment. But this depends on your other monthly outgoings such as your rent mortgage or bills.
4. How much deposit do I need for finance with Cargiant?
This depends entirely on the Finance Provider, but there are occasions where Finance can be arranged without a deposit. Our Finance Advisor will provide you with a full quotation and advise you on the various finance packages available. As soon as you finance has been approved.
5. What is Cargiant's APR?
The rate depends on various factors. These include the amount borrowed, term, total, charge for credit, doc fee, age of vehicle and also which of the finance companies we deal with who accept your application for credit. Our APRs are typically very competitive against other car dealers, saving you time and trouble.
6. What if I have a poor credit history?

A less than perfect credit history shouldn't stand between you and the car you need. That's why we work closely with customers with low credit scores. We always do our best to find solutions that suit everyone.

Car Giant Limited is registered in England and Wales with company number: 01407612. Registered office: 44 Hythe Road, London NW10 6RS.

Cargiant acts as a credit intermediary and only offers credit products from a number of carefully selected lenders including Blackhorse, Motonovo, BNP Paribas and Northridge who will pay us for introducing you to them.

Cargiant is authorised and regulated by the Financial Conduct Authority. Our FCA registered number is 307782.

Finance is available subject to status, to UK residents aged 18 years and over. Indemnities will be required. Conditions will apply depending on credit score status.

How To Find us

Where we are and when we're open

Our Address

44-45 Hythe Road

White City


NW10 6RS

1 mile from Westfield London

Opening Hours
Open until 10pm weekdays
Monday to Friday 10am - 10pm
Saturday 9am - 7pm
Sunday 10am - 7pm *
Bank Holidays 10am - 7pm
* cars can only be collected between 12pm-5pm