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Flexible, affordable and convenient - it's easy with FOW

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PCP Finance - is it for me?

Let's explore PCP finance at FOW

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HP Finance - is it for me?

Let's explore HP finance at FOW

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PCP and HP finance explained

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PCP or HP finance - what's right for you?

Let's find the best finance option for you

PCP finance

Personal Contract Purchase (PCP) finance is a great option if you like to change your car regularly. With flexible ownership options at its heart, PCP finance gives you the freedom to keep the car or secure a new deal.

We’ll guarantee the value of your new car, this is called a Guaranteed Future Value (GFV) or optional final payment. This value is based on your annual mileage and term (available from 18 months up to a maximum of 4 years).

Once you’ve made your final payment, you can refinance this GFV and keep the car, return it to the finance company or part exchange towards a new one. It’s that easy!

PCP is ideal if…

  • You like to change your car regularly
  • You want to keep your monthly payments low
  • You enjoy having flexible ownership options

HP finance

Hire Purchase (HP) finance is a perfect solution if you enjoy the familiarity of a car. Monthly payments are fixed for the entire term of your agreement, once you’ve made your final payment the car is yours to keep.

With no optional final payment, you can keep the car and reduce your outgoings, or, if you fancy a change, you can use the car as a deposit towards a new one. You choose the term too - anywhere from 18 months to 5 years.

There are no mileage limits to worry about - and because you’ll own the car, if you decide to part exchange 100% of its value can be used as a deposit towards a new car.

HP is ideal if…

  • You want to keep the car at the end of the agreement
  • You don’t want to worry about mileage limits
  • You want to use your car as part exchange towards a new one
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Car finance - it's easy with FOW

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