Same Day PCP Available with Cargiant
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 ZOPA finance 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.
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
PCP Car Finance FAQ's
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.
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.
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.
Representative Example:
Vehicle price is £14,999. If you borrow £12,499, over 60 months fixed at 10.9% APR, and pay a £2,500 deposit, you will have 59 equal monthly payments of £267.98, followed by a final payment of £277.98, which includes a £10 option to purchase fee.
The total interest charged would amount to £3,579.80. The total amount payable, inclusive of the borrowed sum, your deposit, and the interest charged, would be £18,588.80.
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
Our Address
44-45 Hythe Road
White City
London
NW10 6RS
1 mile from Westfield London