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Peugeot Finance 2024
Selecting the perfect Peugeot finance
Come to Pentagon Peugeot for specialist Peugeot finance. All of our finance offers are designed to meet your budget and needs so you can get behind the wheel of your next car with no hassle. Our Specialist Automotive Finance (SAF) Approved team are always on hand to help, ensuring the process is quick and easy. We offer:
- Fixed monthly payments
- Low or no deposits
- Quick and simple application
Visit your local Pentagon Peugeot dealership to learn more about finance, or to have a look at our range of new and used Peugeot cars.
Discover Peugeot New Car Offers Explore Peugeot 0% Finance
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Differences between types of Peugeot finance
We break down the main types of Peugeot finance, including PCP, HP and PCH finance.
PCP
HP
PCH
Initial Payment?
Y
Y
Y
Own the car at the end?
Y*
Y*
N
Fixed payments?
Y
Y
Y
Final payment?
Y
Y**
N
Mileage charges?
Y
N
Y
*If you choose to pay the final payment.
**Not all HP agreements will have a balloon payment.
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Peugeot Personal Contract Purchase Agreement (PCP)
A Personal Contract Purchase (or PCP) agreement is a popular way of financing your car. You put down a deposit and pay monthly for a Peugeot car with the option to buy it at the end. You set the loan term, annual mileage and deposit for maximum flexibility.
How does PCP work?
You put down a deposit and then pay monthly for the duration of the Peugeot PCP deal. Once you reach the end of the loan term, you have the option to hand the car back or purchase it by paying the balloon payment.
Your monthly payments go towards covering the depreciation of the car during your agreement, rather than paying for the value of the car. This is what makes the monthly payments more affordable.
Why choose Peugeot PCP?
There are three main benefits when it comes to Peugeot PCP: lower monthly costs, flexibility and the option to own.
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Affordable monthly payments
The monthly payments on a Peugeot PCP deal are typically lower when compared to other types of finance. This is because you’re covering the car’s depreciation, based on market value and annual mileage. And you can even put down a larger deposit to cut down monthly costs even more.
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Plenty of flexibility
PCP agreements are flexible, meaning you can tweak the terms to suit you. Your deposit is usually around 10% but you can put down more to reduce monthly payments. You also get to choose:
- The duration of the PCP agreement (usually from two to five years)
- Your annual mileage cap (usually from 5,000 to 30,000 miles)
Both of these will affect your monthly payments too.
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Option to own
At the end of your PCP agreement, you just need to pay the final balloon payment if you want to own the car. If you don’t want to own it, you can hand it back and get yourself another finance deal. If there’s any positive equity left in your car, then you can hand it back as a deposit on your next PCP deal at Pentagon.
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Peugeot Hire Purchase (HP)
Peugeot cars on HP work similar to PCP: you put down a deposit and then pay monthly. But the main differences are that you’re covering the value of the car, there’s a small Option to Purchase fee at the end of the agreement and there’s no mileage cap.
How does Peugeot HP work?
HP works very similarly to PCP in that you put down a deposit and pay monthly. But as you’re paying for the car’s value, the Option to Purchase fee is smaller compared to PCP balloon payments.
The initial deposit is typically around 10% of the car’s total value and your monthly payments cover the rest of the car. Then at the end of your agreement (which can last from one to five years), there’s an affordable Option to Purchase fee which gives you ownership.
Why use Peugeot HP?
Choose Peugeot HP for no mileage cap, a small Option to Purchase fee and fixed rates through your whole agreement.
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No annual mileage
There are no limits when it comes to your annual mileage. You can drive as much as you need without any extra charge. This is because you’re paying for the car’s value, unlike PCP where you’re paying for its loss in value which is affected by mileage.
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Option to Purchase
When you reach the end of your Peugeot HP agreement there’s a final payment before you fully own your car. This is the Option to Purchase fee, which usually totals around £100-£200 although it can vary. Pay this, and the car is yours.
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Fixed payments
How much you pay monthly is fixed through your HP deal so you always know exactly how much you’re paying. This makes monthly budgeting much easier.
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Peugeot Personal Contract Hire (PCH)
Personal Contract Hire (PCH) is a lease - getting you the keys to the latest vehicles with lower monthly payments. As it’s a lease you don't own the car, but you do get a brand new model every few years. There’s even the option to include maintenance as part of your monthly payments so you don’t ever have to worry about the cost of regular servicing.
How does PCH work?
PCH is a great choice if you’re after the latest models with low monthly payments and don't want to own the car. Payments tend to be lower when compared to the monthly costs of similar cars on PCP or HP.
You pay monthly for a brand new Peugeot car with your choice of servicing and maintenance included.
Then at the end of your lease, you give the car back and choose your next model with no option to buy at the end.
Why use Peugeot PCH?
PCH may appeal to you if you’re after the latest Peugeot vehicles with fixed-rate payments and the option to include servicing.
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The latest cars
PCH secures the keys to a brand new car. Then at the end of your lease, you hand it back and choose the next one. Monthly payments go further with PCH compared to PCP and HP, so you can go for a higher spec model than you may be able to otherwise. And you’re backed up by Peugeot’s warranties too.
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Affordable fixed rates
Your monthly payments are secured throughout your PCH agreement so you always pay the same each month. And it’s unaffected by interest rate changes too.
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Servicing & maintenance
For worry-free driving, you can include servicing and maintenance costs in your monthly payments. So when it’s time to book your Peugeot car in, the cost is already taken care of. Perfect for peace of mind driving.
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Get Peugeot finance at Pentagon
The teams across our Pentagon Peugeot dealerships are here to help, from choosing the right car to getting your application started. Our accredited finance experts advise you on your options whilst guiding you through the process with a no-obligation and pressure-free approach. Once you’ve identified what you’re after, we’ll then work with you to secure your car and finance package.
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Fixed payments
All the finance deals available at Pentagon Peugeot have fixed monthly costs. This means you’ll pay the same amount every month.
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Low & no deposit deals
Most of our Peugeot finance packages only require a small deposit to get going, whilst some don’t even need a deposit at all.
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Hassle-free application
Our experts make the process quick and convenient. There are no confusing forms to fill out when applying for Peugeot finance. All we need is a few basic details.
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NewVehicle finance checks
When applying for Peugeot finance you can use the NewVehicle checker to find that perfect package.
You just need to input a few basic details and then NewVehicle automatically analyses your eligibility with an advanced credit decision-making engine. It will then predict your chances of approval from a list of lenders.
NewVehicle doesn’t affect your credit rating and is completely obligation-free.
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SAF Approved Peugeot finance
We are fully Specialist Automotive Finance (SAF) Approved, so you know you’re getting accurate advice when you come to Pentagon Peugeot. Our teams are committed to high professional standards and motoring finance knowledge.
All of our customer-facing team members who deal with finance have to pass an SAF competence test.
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Contact Pentagon Peugeot
Get in touch for more information on any type of Peugeot finance or book a test drive at your local Pentagon Peugeot dealership.
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Pentagon Peugeot Barnsley
Barnsley, South Yorkshire, S75 1LR
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Pentagon Peugeot Burton Upon Trent
Burton-on-Trent, Staffordshire, DE13 0DF
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Pentagon Peugeot Lincoln
Lincoln, Lincolnshire, LN6 7QY
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Pentagon Peugeot Scunthorpe
Scunthorpe, North Lincolnshire, DN16 3RL
