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How it works

  • Personal Finance Lease is similar to Personal Contract Purchase but the main difference is that you don’t have the option to purchase the vehicle at the end of your contract.
  • You will need a deposit when entering into a contract, as well as agreeing your annual mileage. You will then pay monthly instalments to use the car over your agreed contract period.
  • You can tailor your monthly payments to better suit your budget by varying the deposit and duration of the contract or agreeing a final lump sum balloon payment that will ensure lower monthly repayments throughout the agreement. The balloon payment is calculated on the anticipated value of the vehicle at the end of the agreement.

At the end of the agreement you have 4 options:

  1. Sell the vehicle to a third party on our behalf. If you sell it for less than the balloon payment value then you’ll have to pay the difference. If you sell it for more then you’ll keep the surplus.
  2. Part exchange the vehicle for a new vehicle with one of our dealers.
  3. Return the vehicle to us and pay any excess mileage and/or damage charges (if applicable).
  4. Continue leasing the vehicle by entering into the secondary rental period. You’ll need to pay the balloon rental and then a peppercorn rental which is payable every year until you return the vehicle or notify of sale to third party


Personal Finance Lease is available on both new and used vehicles. Speak to a dealer today to find out more.