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Can I buy through you as a private individual rather than through a business?

Hi Graham, thank you for your question. You can still lease a vehicle, we offer two different types for personal. Personal Contract Hire and Personal Contract Purchase. Personal Contract Hire (PCH) is a perfect product for an individual who wants fixed cost motoring and is confident about the mileage and condition of the vehicle over a set period of time. It is an easy and cost effective way to fund vehicles and it enables you to control one of your biggest expenses. Personal Contract Hire is similar to Business Contract Hire. However, as an individual you will not be able to recover any VAT or take advantage of any tax allowances.

Personal Contract Purchase (PCP) is fast becoming one of the most popular ways of financing the new vehicle of your choice, simply due to its flexibility. You choose the car, the deposit, how long you want the contract to run for and the mileage you intend to do. In return you get fixed cost motoring for the term of the contract. At the end of the contract you have a choice to either buy the car outright for an agreed lump sum (the minimum guaranteed future value), part exchange the car and use the equity you have built up as the deposit on another new car, or hand the vehicle back to the lender and walk away without owing anybody anything (subject to the mileage and condition of the vehicle at this time).

If you'd like to discuss this further and get a tailored quote please call us on 01442 838 195.

Kind regards,

Richard Wells,

Sales Manager

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