Personal Contract Purchase
Structured for High-Value Vehicles.
PCP is the preferred finance structure for professionals and high-income individuals acquiring prestige and performance vehicles. Lower monthly commitments, a defined end-of-term position, and the flexibility to upgrade, own, or walk away — arranged through our specialist lender panel at rates the dealership cannot offer.
Key Benefits
Lower monthly payments — you finance the depreciation, not the full vehicle value
Guaranteed Minimum Future Value (GMFV) protects you from residual value risk
Three clear end-of-term options: purchase outright, part-exchange, or hand back
Ideal for prestige and performance vehicles where residual values are strong
Access to higher-specification vehicles within your monthly budget
Structured for professionals who prefer to upgrade every 2–4 years
We source rates from our specialist panel — not a single lender or dealership
No hard credit search at enquiry stage — discreet and confidential
How It Works
Tell us about the vehicle and your position
Share the vehicle you have in mind, your deposit (if any), preferred term, and annual mileage. We'll structure the deal around your requirements.
We approach our specialist lender panel
We present your case to the lenders best suited to high-value PCP — not a generic comparison tool. We negotiate on your behalf.
You review your options
We present your best PCP structures clearly — monthly payment, APR, GMFV, and total cost. No jargon, no pressure, no obligation.
Approved and delivered
Once you're satisfied, we handle all documentation and liaise directly with the dealer or private seller. Keys in hand, typically within 48 hours of approval.
Frequently Asked Questions
Is PCP suitable for prestige and supercar finance?
What is the Guaranteed Minimum Future Value (GMFV)?
Can I get PCP with a complex or non-standard income profile?
What happens at the end of a PCP agreement?
Can I settle a PCP agreement early?
Do I need a deposit?
Arrange Your PCP Finance Today
Specialist PCP for prestige and high-value vehicles. No obligation, no hard credit search at enquiry stage. We'll structure the right deal and come back to you promptly.
* Finance subject to status. AK Asset Finance is a credit broker, not a lender.