Subaru UK

What is PCP?

PCP (Personal Contract Purchase) splits the cost of your chosen vehicle into 3 simple steps:
Hover your mouse over the car to find out more:

Flexible Deposit

Your deposit is determined by length of the agreement and price of the vehicle.

Fixed interest rate

Pay over the chosen period 2 – 4 years in equal monthly payments (4 years where available).


At the end of your chosen period YOU HAVE 3 Options:

†Part Exchange it for a newer model

Return the Car to International Motors Finance (under the goods return option)*

Buy it outright by paying a final lump sum payment

What are the benefits of PCP?

Drive away a
brand new car

Take more control over the finance of your vehicle and set your own payment structure based on your annual mileage. This means you could drive away a higher spec car and even part exchange it for a new one every 2-4 years if you wish to, subject to a further credit application.

Fixed Regular Payments

With Personal Contract Purchase you spread the cost of the vehicle with fixed, affordable and regular monthly payments over the period of your choice from 25 months to 49 months.

Worry free
Future Value

With Personal Contract Purchase Subaru guarantee the vehicle will be worth the deferred optional final payment at the end of the term subject to conditions**. This means you can avoid negative equity, so no nasty surprises.

The choice is yours

Personal Contract Purchase offers you a number of options at the end of the agreement giving you the flexibility to choose the one that best meets your needs.

†Return &
Part Exchange

Part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.


Pay the Final Lump Sum Payment to own the vehicle.

Return the car*

Return the vehicle and not pay the Final Lump Sum Payment. If the vehicle is in good condition and has not exceeded the allowed mileage you will have nothing further to pay. If the vehicle has exceeded the allowed mileage a charge for excess mileage will apply.

Terms and Conditions:

Subaru Finance Personal Contract Purchase is based on a maximum mileage agreed with your dealer.

*This assumes the vehicle is returned on time and in good condition, the mileage has not exceeded the agreed amount and all payments are up to date.

**The Guaranteed Future Value is subject to the vehicle being returned on time and in good condition, the mileage not exceeding the agreed amount and all payments being up to date and the service history being in order. Personal Contract Purchase is available for new cars and used cars up to 5 years old. A deposit is required.

Subaru Finance is a trading style of International Motors Finance Limited, registered in England and Wales with company number 2956040 with registered office at Charterhall House, Charterhall Drive, Chester, Cheshire, CH88 3AN.
Finance is available subject to status to UK residents aged 18 years and over. Indemnities may be required. Authorised and Regulated by the Financial Services Authority for Insurance Mediation. We are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.