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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 £298.67
Cash Price £34,290.00
Customer Deposit £7,350.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,350.00
Representative APR 5.9% APR
Total Amount of Credit £24,940.00
Optional Final Repayment (including £10 Purchase Fee) £15,366.00
Total Amount Payable £39,052.16
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 49 months
48 Monthly Repayments of £298.97
Cash Price £34,345.00
Customer Deposit £7,370.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,370.00
Representative APR 5.9% APR
Total Amount of Credit £24,975.00
Optional Final Repayment (including £10 Purchase Fee) £15,394.00
Total Amount Payable £39,114.56
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £298.75
Cash Price £34,345.00
Customer Deposit £7,620.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,620.00
Representative APR 5.9% APR
Total Amount of Credit £24,725.00
Optional Final Repayment (including £10 Purchase Fee) £17,742.00
Total Amount Payable £38,117.00
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £338.29
Cash Price £34,995.00
Customer Deposit £7,200.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,200.00
Representative APR 5.9% APR
Total Amount of Credit £25,795.00
Optional Final Repayment (including £10 Purchase Fee) £17,462.00
Total Amount Payable £38,840.44
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £299.00
Cash Price £35,995.00
Customer Deposit £7,456.96
Subaru Deposit Contribution £1,750.00
Total Deposit £9,206.96
Representative APR 2.9% APR
Total Amount of Credit £26,788.04
Optional Final Repayment (including £10 Purchase Fee) £18,004.00
Total Amount Payable £37,974.96
Interest Rate (Fixed) 2.87%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £319.00
Cash Price £35,995.00
Customer Deposit £8,399.88
Subaru Deposit Contribution £2,000.00
Total Deposit £10,399.88
Representative APR 5.9% APR
Total Amount of Credit £25,595.12
Optional Final Repayment (including £10 Purchase Fee) £17,983.00
Total Amount Payable £38,840.44
Interest Rate (Fixed) 5.76%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £299.00
Cash Price £35,995.00
Customer Deposit £7,476.19
Subaru Deposit Contribution £750.00
Dealer Deposit Contribution £1,000.00
Total Deposit £9,226.19
Representative APR 2.9% APR
Total Amount of Credit £26,768.81
Optional Final Repayment (including £10 Purchase Fee) £17,983.00
Total Amount Payable £37,973.19
Interest Rate (Fixed) 200%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £299.00
Cash Price £35,995.00
Customer Deposit £7,476.19
Subaru Deposit Contribution £750.00
Dealer Deposit Contribution £1,000.00
Total Deposit £9,226.19
Representative APR 2.9% APR
Total Amount of Credit £26,768.81
Optional Final Repayment (including £10 Purchase Fee) £17,983.00
Total Amount Payable £37,973.19
Interest Rate (Fixed) 2.87%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 49 months
48 Monthly Repayments of £318.88
Cash Price £36,290.00
Customer Deposit £7,790.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,790.00
Representative APR 5.9% APR
Total Amount of Credit £26,500.00
Optional Final Repayment (including £10 Purchase Fee) £16,245.00
Total Amount Payable £41,341.24
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 49 months
48 Monthly Repayments of £318.94
Cash Price £36,345.00
Customer Deposit £7,820.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,820.00
Representative APR 5.9% APR
Total Amount of Credit £26,525.00
Optional Final Repayment (including £10 Purchase Fee) £16,273.00
Total Amount Payable £41,402.12
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £318.93
Cash Price £36,345.00
Customer Deposit £8,060.00
Subaru Deposit Contribution £2,000.00
Total Deposit £10,060.00
Representative APR 5.9% APR
Total Amount of Credit £26,285.00
Optional Final Repayment (including £10 Purchase Fee) £18,809.00
Total Amount Payable £40,350.48
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £347.74
Cash Price £36,995.00
Customer Deposit £7,995.00
Subaru Deposit Contribution £2,000.00
Total Deposit £9,995.00
Representative APR 5.9% APR
Total Amount of Credit £27,000.00
Optional Final Repayment (including £10 Purchase Fee) £18,528.00
Total Amount Payable £41,041.64
Interest Rate (Fixed) 5.74%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £319.00
Cash Price £38,100.00
Customer Deposit £7,895.82
Subaru Deposit Contribution £1,750.00
Total Deposit £9,645.82
Representative APR 2.9% APR
Total Amount of Credit £28,454.18
Optional Final Repayment (including £10 Purchase Fee) £19,071.00
Total Amount Payable £40,200.82
Interest Rate (Fixed) 2.87%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £349.00
Cash Price £38,100.00
Customer Deposit £8,620.88
Subaru Deposit Contribution £2,000.00
Total Deposit £10,620.88
Representative APR 5.9% APR
Total Amount of Credit £27,479.12
Optional Final Repayment (including £10 Purchase Fee) £19,050.00
Total Amount Payable £41,041.64
Interest Rate (Fixed) 5.76%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p
Agreement Duration 37 months
36 Monthly Repayments of £319.00
Cash Price £38,100.00
Customer Deposit £7,915.05
Subaru Deposit Contribution £750.00
Dealer Deposit Contribution £1,000.00
Total Deposit £9,665.05
Representative APR 2.9% APR
Total Amount of Credit £28,434.95
Optional Final Repayment (including £10 Purchase Fee) £19,050.00
Total Amount Payable £40,199.05
Interest Rate (Fixed) 2.87%
Annual Mileage 8000
Excess Mileage (pence per mile) 8.0p

50/50 Finance (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.

The Subaru Crosstrek 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) £34,940.00
50% Deposit £17,470.00
OTR Price (Inc Met Paint) £34,995.00
50% Deposit £17,497.50
OTR Price (Inc Met Paint) £35,690.00
50% Deposit £17,497.50
OTR Price (Inc Met Paint) £36,690.00
50% Deposit £18,345.00
OTR Price (Inc Met Paint) £36,940.00
50% Deposit £18,470.00
OTR Price (Inc Met Paint) £36,995.00
50% Deposit £18,497.50
OTR Price (Inc Met Paint) £37,690.00
50% Deposit £18,497.50
OTR Price (Inc Met Paint) £38,795.00
50% Deposit £19,397.50

Personal Contract Hire (PCH)

PCH allows individuals to drive a new vehicle over an agreed period of time and mileage. This type of finance is suitable for people who don’t want to purchase the car at the end of the agreement. You simply pay an initial rental fee upfront and then fixed monthly payments, which are made over the agreed contract length. When the contract ends you return the vehicle. Return conditions apply.

Finance Quote

Personal Contract Hire Example

Choose your car

Initial Rental (incl. VAT) £3,555.00
Monthly Rental (incl. VAT) £395.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 11.8p
Initial Rental (incl. VAT) £3,555.00
Monthly Rental (incl. VAT) £395.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 11.4p
Initial Rental (incl. VAT) £3,591.00
Monthly Rental (incl. VAT) £399.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 11.4p
Initial Rental (incl. VAT) £3,735.00
Monthly Rental (incl. VAT) £415.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 11.88p
Initial Rental (incl. VAT) £3,735.00
Monthly Rental (incl. VAT) £415.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 12.0p
Initial Rental (incl. VAT) £3,771.00
Monthly Rental (incl. VAT) £419.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 11.8p
Initial Rental (incl. VAT) £3,735.00
Monthly Rental (incl. VAT) £415.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 14.5p
Initial Rental (incl. VAT) £3,735.00
Monthly Rental (incl. VAT) £415.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 14.5p
Initial Rental (incl. VAT) £3,771.00
Monthly Rental (incl. VAT) £419.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 12.5p
Initial Rental (incl. VAT) £3,861.00
Monthly Rental (incl. VAT) £429.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 12.7p
Initial Rental (incl. VAT) £3,861.00
Monthly Rental (incl. VAT) £429.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 12.7p
Initial Rental (incl. VAT) £4,005.00
Monthly Rental (incl. VAT) £445.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge 12.5p

Business Contract Hire (BCH)

BCH is a form of leasing most suitable for business owners, sole traders, partnerships and limited companies. You simply pay an initial rental fee upfront and then fixed monthly payments, which are made over the agreed contract length. When the contract ends you return the vehicle. Return conditions apply.


Finance Quote

Business Contract Hire Example

Choose your car

Initial Rental (+ VAT) £2,960.00
Monthly Rental (+ VAT) £329.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 9.5p
Initial Rental (+ VAT) £2,961.00
Monthly Rental (+ VAT) £329.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 9.5p
Initial Rental (+ VAT) £2,961.00
Monthly Rental (+ VAT) £329.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 9.8p
Initial Rental (+ VAT) £3,105.00
Monthly Rental (+ VAT) £345.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 9.9p
Initial Rental (+ VAT) £3,105.00
Monthly Rental (+ VAT) £345.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.0p
Initial Rental (+ VAT) £3,141.00
Monthly Rental (+ VAT) £349.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.0p
Initial Rental (+ VAT) £3,105.00
Monthly Rental (+ VAT) £345.00
Duration of Agreement 36 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 12.1p
Initial Rental (+ VAT) £3,141.00
Monthly Rental (+ VAT) £349.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.4p
Initial Rental (+ VAT) £3,231.00
Monthly Rental (+ VAT) £359.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.6p
Initial Rental (+ VAT) £3,231.00
Monthly Rental (+ VAT) £359.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.6p
Initial Rental (+ VAT) £3,321.00
Monthly Rental (+ VAT) £369.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 10.6p