Prime and Non-Prime PCP

Get all your customers considered for used PCP car finance!

Why use Personal Contract Purchase with Connected Car Finance?

Our PCPs provide you with the flexibility to manage and sell your car stock efficiently with ease at competitive rates.

As part of DSG Finance Group, we have own exclusive lender, Unity Auto Finance, who cater to prime and non-prime PCP.

  • Higher Customer Retention
  • Customers get their First Car Choice
  • EV, Lifestyle and Commercial Vehicles
  • One Credit Search – Plenty of Opportunities

How can offering PCP benefit my dealership?


Generally speaking, PCP customers tend to renew their vehicle on a PCP with the same dealer.  


With our tiered system, your customers will get access to credit that works with their budget and circumstances.


Spending time on trying to find an alternative vehicle based on termed acceptances might now be a thing of the past!


Every used car buyer comes with a unique situation, and our TRIPLE NON-PRIME PCP options ensure everybody gets considered. 


Increase your chances of selling by getting multiple opportunities for PCP with one credit search.


You can offer PCP deals for electric vehicles, lifestyle and commercial vehicles.

Get Connected

Get in touch to find out how you can offer non-prime PCP to your customers!

There’s a PCP option suitable for all your customers’ needs.

One credit search - many opportunities

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Customer Preference Matters

Provide the best buying journey to all of your customers! People know what car they want to go for when visiting your dealership/website. Having to offer them an alternative because no PCP deals are available isn’t the best selling point in an already competitive industry. Well, used car dealerships now have a much higher chance of getting their customers accepted for PCP finance on their first choice of car, at the first point of contact.

HP vs. PCP

Is PCP better for used cars than HP? Not necessarily, but customers tend to prefer the option that gives them the most affordable payment.

Here’s a quick HP vs. PCP comparison

HP vs. PCP

Split the full price of the car into a deposit and monthly payments

Customer owns the vehicle after the final payment has been made

Fixed Interest Rates

Pay off early option


Customer doesn’t have to finance the full value of the car

Tends to be lower monthly payments than HP depending on term length

Balloon payment to own vehicle at the end of the term

Offer lower monthly payments by counting the deposit and Guaranteed Minimum Future Value of the car towards the finance agreement

Is PCP car finance right for your customers?


They would be able to afford a newer, more expensive model of vehicle.

Lower monthly payments than with a personal loan or HP.

Flexibility to buy the vehicle outright or return it at the end of the contract.


The large balloon payment must be made in order for them to acquire the vehicle.

Vehicles costing £7,000 or more are eligible for PCP plans.

The vehicle is used as collateral for the loan; failure to make payments could result in its repossession.

Alternative options for Personal Contract Purchase:

There are many more options available if your customers decide PCP isn’t the best option for them to acquire a new used vehicle. They can also consider Hire Purchase with Connected.

Hire Purchase

A deposit (often 10%) followed by monthly payments.

The car is your customers’ once the transaction is complete.

There is no final “balloon” payment required, although the cost may increase over time.

Frequently Asked Questions

We’re not saying that Personal Contract Purchase is better than Hire Purchase. The two are different finance options that can work well for your customers. However, PCP deals usually come with cheaper monthly payments so therefore are preferred by customers.

What lifestyle vehicles qualify for Connected's PCP deals?

Ford Ranger, Mitsubishi L200, Nissan Navara, Toyota Hilux, Isuzu D-Max, Volkswagen Amarok, Mercedes X Class, Fiat Fullback, Ssangyong Musso

What does multi-tiered PCP deals mean?

It means that we’ve got all the packages under one roof, and we’ll always try and provide the most affordable payment to your customers. Now available with multiple packages of PCP and HP.

What is PCP finance?

With PCP, your customers have options; they can choose to buy the car, return it, or exchange it for a new one at the end of their contract. Additionally, unlike HP, the PCP loan is not required to pay the entire cost of your customers’ vehicle. Instead, they only need to borrow the amount that the lender estimates their car will lose in value while it is still in their possession.