CAR FINANCE

Personal Contract Purchase

A flexible choice with multiple options when your contract ends. Keep the car by making an optional final payment.

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Flexible terms

Drive a Volvo for a fixed period, then choose between one of three options – retain, return or renew.

Optional final payment

Part of the vehicle cost is deferred until the end of the agreement, potentially lowering monthly payments.

Choose to own your Volvo

If you would like to own the car you’ve been driving, just make the Optional final payment and it will be yours.

What is included with Personal Contract Purchase?

Electric Vehicles Only

¹ Volvo Insurance is provided by Wrisk Transfer Limited and is subject to eligibility

How Personal Contract Purchase (PCP) works

1
Set your contract terms

Your contract will be structured to meet your needs based on the vehicle you will be driving, your estimated annual mileage, and the contract duration.

2
Make one of three choices
3
Make optional final payment

Save up to £10,650 with a PCP

Our PCP offer includes lower prices on many of our cars including fully electric, mild hybrid and plug-in hybrid models.

To qualify for Volvo Savings, all customers must have placed an order via Purchase, Personal Contract Purchase (PCP) or Volvo Loan. Subject to availability. Volvo Loan and PCP available on new cars through Volvo Car Financial Services UK Limited, SL6 4FL. Terms apply.

Compare car finance options

Highlights

Return, exchange or own

24-48 months

6-30k annual mileage

Change or return

3 months notice

6-40k annual mileage

Return at the end

24-48 months

6-40k annual mileage

Monthly payments with optional final payment

Partial deposit

Excess fees for wear and mileage

Early settlement option

Monthly payments

One month prepayment

Excess fees for wear and mileage

3 months’ termination notice

Monthly payments

First month prepayment

Excess fees for wear and mileage

Early termination fees apply

Warranty

Roadside assistance

Home delivery

Digital services

Volvo Cars app

Driveaway insurance

Service Plan Plus

Warranty

Roadside assistance

Home delivery

Digital services

Volvo Cars app

Driveaway insurance

Service Plan Plus

Yearly inspection

Tyre check-up

Loan car

Pick up and delivery

Warranty

Roadside assistance

Home delivery

Digital services

Volvo Cars app

Driveaway insurance

Service Plan Plus

Applies to electric cars only

Small car. Big space.

Our smallest ever SUV goes big on safety, sustainability and storage space.

WLTP (Preliminary): Electric Range with Single Motor Extended Range (Combined) 298.3 mi. Electric Energy Consumption (Combined) 15.7 kWh/100km. Emissions CO₂ (Combined) 0 g/km. WLTP data is obtained under specific testing conditions, actual energy consumption and range may differ.

Popular cars with Personal Contract Purchase

FAQ

Personal Contract Purchase (PCP) offers you the opportunity at the end of the contract term to purchase the car for a value set when you place the order (referred to as the Optional Final Payment). Either that or you simply return the car, or renew your contract and choose a new car. You choose the term you would like – either 24, 30, 36, 42 or 48 months. The longer you sign up, the less you pay. Making an optional deposit will lower your monthly payment.

You choose the term that suits you - either 24, 30, 36, 42 or 48 months.

A partial deposit of £500 is required when you place the order. If you decide to cancel your order, this will be refunded to you. You can also place an optional deposit if you wish to do so. The partial deposit and optional deposit are taken off the total cost of the car with the remaining amount distributed equally over monthly payments until the end of the contract.

When the agreed period of your Personal Contract Purchase (PCP) ends, you will have three options: 

  1. make the Optional Final Payment set at the contract start and take full ownership of the car, 
  2. part exchange your car for a new contract and car, or 
  3. simply return the car with no additional cost (as long as kept within mileage and conditions according to T&Cs).  For more information, please visit https://www.vcfsuk.co.uk/volvo/end-of-agreement-options/

The first monthly payment will be charged one month after the contract is activated. Any additional charges or fines will be settled monthly in arrears (usually together with the payment for the upcoming month). If you wish to change the date for payment you can request this online, or please contact Volvo Car Financial Services UK Customer Services:
Telephone: 0800 085 1541 Website: www.vcfsuk.co.uk/volvo/managing-your-agreement/

Our Finance Options

Change or return

Subscription

Monthly payments, 3 months notice

6-40k annual mileageOne month prepaymentExcess fees for wear and mileage3 months’ termination notice
Return at the end

Lease

Monthly payments, 24-48 months

6-40k annual mileageFirst month prepaymentExcess fees for wear and mileageEarly termination fees apply
You own the car

Purchase

One time payment, No contract length

Unlimited mileagePartial depositNo excess fees for wear and mileageSettlement and termination not applicable
You can own the car

Volvo Loan

Monthly payments, 24-48 months

Unlimited mileagePartial depositNo excess fees for wear and mileageEarly settlement option

With Subscription and Lease you will not own the vehicle. With Volvo Loan there is a risk of the vehicle value depreciating quicker than anticipated.