Paying too much for your PCP?

I’m sure most of us have considered remortgaging our homes in order to obtain a lower interest rate, or switching our energy to an another provider to save money on our gas and electricity, so why not switch your pcp car finance too.

Here at we make it so easy to switch you current PCP car finance, we have low rate pcp deals from 5.9% APR, so you could save hundreds and in some cases thousands of pounds over the agreement term.

For an instant PCP quote to compare, simply enter your details in our pcp calculator below and see how much you could save!

refinance-mycar from 5.9% APR

So you’ve found the one?

It’s just 3 simple steps to making it yours…

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Over 48 months you will pay about * each month

* Based on APR interest, a deposit of and final payment of . For your INSTANT detailed PCP quote please proceed to next step.

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Tell us a little more…

Enter your preferred deposit, term and miles pa on the next step

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Build your quote

What is your credit history like?
UK Resident, Min 3 Years Voters Roll History, Min 3 Years Full Time Employment, No Adverse credit. [suggested Experian score 950+]
UK Resident, Min 2 Years Voters Roll History, Min 2 Years Full Time Employment, No Adverse credit. [suggested Experian score 850+] 10% Min Deposit
UK Resident Min 2 Years Voters Roll History, Min 2 Years Full Time Employment, No CCJ’s or Defaults. [suggested Experian score 750+] 20% Min Deposit

How many miles do you travel per year?5k


How long do you want to pay back the loan?24 Months

48 Months

How much deposit would you like to pay?Min


Your car & payments


Lease Purchase

Per month



Per month

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Balance to finance
Final payment
Finance Term
Total amount payable
Representative APR
Annual mileage

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Finance Enquiry

Just a few more details to complete your enquiry

Chosen Finance Product

Lease Purchase
Personal Contract Purchase (PCP)


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6 great reasons to choose us?

We make it easy to switch your PCP

No call centres, just professional, independent friendly advice.

You could save thousands with

We have no fewer than 5 different lenders for PCP and Lease Purchase.

Are you paying too much for your PCP?

We can now arrange your car re-finance on vehicles up to 5 years old.

Low rates from 5.9% APR

We specialise in low rate PCP Car Refinance and Lease Purchase Refinance schemes. can pay off your existing lender directly.

We pay your current car finance provider directly and clear off your outstanding balance,

We offer a personal one to one service

You deal directly with your own personal adviser, making the process nice and smooth.

Am I eligible for car refinance?

As part of the new FCA regulations, all regulated finance agreements offer a rebate of interest for early settlement [not applicable for business loans] therefore to refinance your car with another lender at a lower rate will save you money.

As an example, you may have taken out a PCP or Hire Purchase from your supplying dealer recently and not realised that you are probably paying over the odds in interest charges Alternatively, you may have a PCP coming to the end of its contract period and would prefer to keep the vehicle a little longer and in both scenarios, can help.

We are a SAF approved car finance provider
check out our 5 star reviews for pcp car refinance

What are the benefits to PCP car refinance?

To save money, the obvious one of course, but you need to consider your options very carefully and not take just out another loan agreement without looking closely at the terms and conditions first.

Our advisers are here to offer you a personal one-to-one service to make sure you fully understand your options and how much we can save you.

Generally, the longer left on your agreement, the more money you are likely to be saving, one important thing to consider is the total amount payable, this is the total amount of interest you are paying back to the lender.

Our advisers are here to help you, we are an established car finance provider and have been trading for over 15 years so you are in safe hands.


Get a PCP quote now from just 5.9% APR
What are the benefits of car refinance

To keep your car longer – if you’re current finance deal is a PCP [Personal Contract Purchase], you may be coming to the end and see no reason to change, therefore to re-finance the vehicle again gives you the option to keep your vehicle a little longer.

Some customers may consider an unsecured personal loan to do this, this type of agreement has a different set of rules to PCP or HP and is secured on you personally as opposed to the vehicle.

How to apply?

If you would like to apply or require any more information regarding switching your current PCP car finance, simply call us on 01925 589020 to discuss your options.

Call us now on 01925 589020 for your quote with our latest rate and offers and see how much we can save you!