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Personal Contract Purchase (PCP)

PCP keeps your monthly repayments low by deferring a significant proportion of the total amount of credit to the optional final repayment at the end of the agreement.

Once you have paid all of the regular monthly repayments you can either:

  • Pay the optional final repayment and own the car.
  • Part exchange the car for a new one (subject to settlement of your existing agreement, new agreements are subject to status), or
  • Return the car to Subaru Finance without paying the optional final repayment. Return conditions apply.
Finance Quote

Personal Contract Purchase (PCP) Representative Finance Example

Choose your car

Agreement Duration 49 months
48 Monthly Repayments of £418.89
Cash Price £43,635.00
Customer Deposit £9,350.00
Subaru Deposit Contribution £1,500.00
Total Deposit £10,850.00
Representative APR 5.9% APR
Total Amount of Credit £32,785.00
Optional Final Repayment (including £10 Purchase Fee) £18,779.00
Total Amount Payable £49,735.72
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £464.95
Cash Price £44,495.00
Customer Deposit £9,999.00
Subaru Deposit Contribution £1,000.00
Total Deposit £11,499.00
Representative APR 5.9% APR
Total Amount of Credit £33,496.00
Optional Final Repayment (including £10 Purchase Fee) £21,068.00
Total Amount Payable £49,305.20
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £464.95
Cash Price £44,995.00
Customer Deposit £10,499.00
Subaru Deposit Contribution £1,000.00
Total Deposit £11,499.00
Representative APR 5.9% APR
Total Amount of Credit £33,496.00
Optional Final Repayment (including £10 Purchase Fee) £21,068.00
Total Amount Payable £49,305.20
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p

50/50 (50-50)

This model is available on 0% APR for one year on our 50/50 Finance Offer.
One-year option: Pay 50% deposit; pay nothing for one year; then pay final 50% balance one year after the deposit is paid.

Finance Quote

Representative Finance Example

Choose your car

OTR Price (Inc Met Paint) £43,635.00
50% Deposit £21,817.50
OTR Price (Inc Met Paint) £43,635.00
50% Deposit £21,817.50
OTR Price (Inc Met Paint) £44,495.00
50% Deposit £22,475.50
OTR Price (Inc Met Paint) £44,995.00
50% Deposit £21,817.50
OTR Price (Inc Met Paint) £44,995.00
50% Deposit £22,475.50