CAR FINANCE
Personal Contract Purchase
A flexible choice with multiple options when your contract ends. Keep the car by making an optional final payment.
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?
Warranty
Warranty for 3 years or 60,000 miles.
Roadside assistance
Accident or breakdown, just press the assist button for help.
Home delivery
Choose to have your car delivered to your door, at no extra cost.
Digital services
A range of Google digital services are included free for 4 years.
Volvo Cars app
Remote control and vehicle management for 4 years.
Driveaway insurance
Insurance cover for 7 days from the moment you drive away¹.
Electric Vehicles Only
¹ Volvo Insurance is provided by Wrisk Transfer Limited and is subject to eligibility
How Personal Contract Purchase (PCP) works
Your contract can be structured to meet your needs based on the vehicle you will be driving, your estimated annual mileage, and the contract duration.
Up to £9,000 finance contribution with 5.9% APR Representative
Take advantage of a generous Finance Discount Contribution on many of our fully electric and hybrid models.
To qualify for Volvo Finance Discount Contribution (FDC), all customers must have placed an order via Personal Contract Purchase (PCP) or Volvo Loan. Up to £9,000 will be contributed by Volvo. Volvo Loan and PCP available on selected new cars through Volvo Car Financial Services UK Limited, SL6 4FL. Subject to availability. 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
Payment
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
Included services
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
Car switch
Yearly inspection
Loan car
Pick up and delivery
Service Plan Plus with tyres
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
How do I know if Personal Contract Purchase (PCP) is right for me?
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. Making an optional deposit will lower your monthly payment.
What are the contract lengths for Personal Contract Purchase (PCP)?
You choose the term that suits you - either 24, 30, 36, 42 or 48 months.
What deposit do I need to put down?
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.
What happens at the end of the contract?
When the agreed period of your Personal Contract Purchase (PCP) ends, you will have three options:
- make the Optional Final Payment set at the contract start and take full ownership of the car,
- part exchange your car for a new contract and car, or
- 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/
When will I be charged my monthly payment and for what?
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
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.
Important Information
The finance application will be handled through our lending partner Volvo Car Financial Services UK Limited.
This product is not available for Sole Traders or Partnerships of 3 or less. We are working on a solution to be able to offer these products.
Please note that if you are to part-exchange for a new car and contract, this would be subject to new affordability, eligibility and creditworthiness checks (even if you are already on an existing contract)
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