Personal Contract Plan (PCP) Finance
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 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.
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 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.
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
44-45 Hythe Road
1 mile from Westfield London