Personal Contract Hire

Everything you need to know about Personal Contract Hire (PCH)

Personal Contract Hire, or PCH, is a popular type of car leasing. It’s a type of rental agreement that secures a chosen car for a certain amount of time and an agreed-upon mileage limit. As PCH is a lease agreement, you will never own the car. But you will be the registered driver for the duration of your agreement, and at the end, you can hand it back and start a new lease with the latest model.

This type of leasing is ideal if you want to drive the latest cars every few years without having to worry about depreciation as you don’t own it.

Explore Personal Contract Hire below to learn about how it works, its benefits and who it’s best suited for. At Pentagon Group we have a team of SAF-accredited finance specialists who are here to guide you along your journey. So whether you have a question about how PCH works or want to choose your next car, get in touch with your local Pentagon Group in Lancashire, Lincolnshire, Derbyshire, Staffordshire, Nottinghamshire, South Yorkshire, North Lincolnshire, Cheshire, Merseyside, Leicestershire, West Yorkshire, North East Lincolnshire, West Midlands, Lanarkshire, Gloucestershire, Wrexham, Flintshire, Greater Manchester and Deeside.

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If you have a query relating to Discretionary Commission Agreements please email However, please note that if your query related to a purchase more that 7 years ago we will no longer hold any details due to our data retention policy.

Representative Finance Example
APR Representative 13.9%
Cash Price £5,995
Deposit £0
1st Monthly Payment £136.55
58 Monthly Payment £136.55
Final Monthly Payment £146.55
Amount of Credit £5,995
Total Amount Payable £8,203.00
Total Charge for Credit £2,198
Duration 60 Months

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