PCP Car Finance

Designed for you - with a PCP there's flexible options to match your budget and lifestyle. Lock in a great deal today!

Love that new car feeling? Enjoy it more often with PCP car finance from FOW.

Who doesn’t love that new car feeling? Let’s face it, we all do… that’s where PCP car finance comes in. Designed to be a perfect fit for your lifestyle, repayments are usually cheaper vs HP car finance with some fantastic benefits, all flexible to you.

Let’s get back to basics - a Personal Contract Purchase (PCP) is a great option if you like to switch up your car regularly. Choose your term (24 - 48 months subject to the age of the car), deposit and annual mileage - we’ll then calculate a Guaranteed Future Value (GFV).

Because the GFV value is subtracted along with the deposit, repayments are usually lower and you’ll get some fantastic options too. Re-finance the GFV figure and keep the car, part exchange and get a new PCP or simply hand the car back to the finance company.

Remember at FOW the benefits don’t end there. Buy online or instore and have the car delivered to your door, part exchange your old car, reserve for FREE - up to 48 hours and enjoy a video of your new car - personal to you. With over 60 years of experience and 2 convenient locations in Winsford, Cheshire and Trafford, Manchester, we think you’ll love car shopping at FOW.


Flexible PCP car finance options on your terms - this is FOW

Live for the moment and enjoy that new car feeling - available now at FOW.

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Buy online or instore with an instant decision

That's right, and it's really easy! Use our soft search check to confirm affordability - don't worry it's completely FREE and doesn't affect your credit score. And with flexible deposit options starting from just £99, your in the drivers seat at FOW.

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Enjoy that new car feeling more often with a great PCP deal from FOW.

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Why is PCP cheaper than cash?

That’s a great question, and the answer is all to do with the flexibility a PCP car finance deal provides.

Unlike using your savings, with a PCP car finance deal you don’t pay the full amount for the car. Instead, we’ll guarantee the value (GFV) of your new car based on your annual mileage and term.

Take, for instance, you plan to keep your new car for 4 years and cover 8,000 miles a year. If the car is priced at £11,299 and you pay a £99 deposit, your optional final payment could be £4,260 - subtract this from the price of the car and the total amount of credit is £6,940.

Instead of using a bank loan or savings for the full amount, a PCP gives you more freedom with some fantastic options should you want to change the car.

Because repayments are usually lower vs an HP car finance deal, you’ll save money each month too. Remember with a PCP you can re-finance the Guaranteed Future Value (GFV), part exchange the car and get a new PCP deal, or simply hand the car back to the finance company and walk away.

This is an exciting opportunity to own the car of your dreams. Remember at FOW deposits start from just £99. And you can reserve online for FREE for up to 48 hours - no one else offers this, speak to us about a personalised video or buy online or instore. This is car shopping on your terms.


PCP car finance deals at FOW

You already know the benefits of a PCP car finance deal, but why should you choose FOW for your new car?

Because FOW Car Supermarket are 60 years in the making, we’ve perfected the car buying experience. Easy, hassle free and on your terms - this is FOW.

Of course, PCP car finance deals are available on a fantastic selection of nearly new cars. And with flexible deposits and terms you’re sure to find a great deal to match your lifestyle.

Naturally, you can buy online, or instore - our friendly team are available across our 2 locations in Winsford, Cheshire and Trafford, Manchester.

Buying online couldn’t be any easier, you’ll get an instant decision in minutes and we’ll be in touch to discuss your order and answer any questions you have - we can even deliver to your door or workplace. If you prefer you can collect instore, with both options you’ll enjoy a professional handover by one of our product specialist team.

Have an old car to part exchange? Get an instant price online - it’s really easy to do and if you have any outstanding finance, we can settle that too so you can concentrate on enjoying your new car.


The UK’s most popular car finance choice - PCP

And with good reason. With a PCP car finance deal from FOW you’re in complete control.

Ideal if you like to own the latest model, with a PCP deal we’ll guarantee your new car’s value based on your annual mileage and term. So if values drop, you’ll be safe - better still, if they increase you’ll also benefit as we’ll value your car based on the current market values.

Once you’ve made your final payment, you can choose to part exchange and get a new PCP deal, buy the car outright or refinance the Guaranteed Future Value (GFV), or simply return the car to the finance company and walk away. It really is that easy!

Be sure to check out our FREE soft search credit check - it’s completely FREE to use and doesn’t affect your credit rating. With no obligation to buy you’ll find car shopping at FOW a breeze.

Let's talk finance - what do I need to know?

PCP car finance made easy - this is FOW.

Should I buy a used car on finance?

Can I pay used car finance early?

I have bad credit; can I still apply for finance?

Can I part exchange my old car?

Will my finance application affect my credit rating?

Can I transfer my existing finance to another car?

How do I apply for finance?

What do I need to apply for finance?

So... you know all about PCP car finance - why not check out our other options.

Remember - at FOW our flexible finance options are just that - flexible. With deposits starting from just £99 you can find the car of your dreams right here.

Award winning Car Supermarket - this is FOW.

That’s why thousands choose FOW for their new car - we’ve perfected car shopping for over 60 years.

By the way, we have thousands of models to choose from, each one prepared to the highest standard alongside a tailored approach to customer care.

Of course, at FOW we’re here with you for the journey and have been recognised as one of the most enjoyable destinations for used car shopping. So much so we’ve won awards for our service, customer care and attention to detail to ensure you have the best possible experience.

Retailer of the Year - 2022

Customer Care Award 2022

Digital Initiative of the Year - 2022

Online Consumer Experience of the Year - 2022

Customer Care Award - 100+ Vehicles - 2022

Car Supermarket of the Year - 2022

Social Media Campaign of the Year - 2022

Auto Trader Highly Rated - 2020, 2021 and 2022