Personal Car Leasing
Review our latest personal car leasing deals here. Personal Contract Hire (PCH) is a form of vehicle leasing for individuals that allows you to get a brand-new car with fixed monthly payments. This hassle-free and cost-effective approach to driving a new vehicle is becoming increasingly popular among UK consumers. Here’s why PCH might be the perfect solution for your motoring needs.
What is Personal Contract Hire (PCH)?
Personal Contract Hire, commonly known as PCH, is a vehicle leasing agreement tailored for personal use. Unlike other forms of car finance, such as Personal Contract Purchase (PCP) or Hire Purchase (HP), PCH is purely a leasing option. This means you don't have the option to buy the car at the end of the contract. Instead, you return the vehicle to the leasing company, making it ideal for those who enjoy driving new cars every few years without the hassle of ownership.
The Benefits of Personal Contract Hire
Lower Monthly Payments: PCH generally offers lower monthly payments compared to other forms of car finance because you are only covering the depreciation of the vehicle over the lease term, not the full value of the car.
Fixed Costs: With PCH, you benefit from fixed monthly payments, making it easier to budget your finances. Often, maintenance and servicing packages can be included, further simplifying your financial planning.
Brand New Cars: Leasing through PCH means you get to drive a new car every few years. This allows you to enjoy the latest models, technologies, and safety features without long-term commitment or depreciation worries.
No Depreciation Concerns: Since you’re not buying the car, you don’t have to worry about its resale value or the loss of value over time. At the end of your lease, you simply return the car and choose your next new vehicle.
How to Contact Us
If you’re interested in learning more about Stable Vehicle Contracts' latest personal car leasing deals and special offers, please don’t hesitate to get in contact with us today. You can phone us directly on 0151 728 4711 and you’ll go straight through to a real person.
Alternatively, you can submit a contact form on our Contact Us page or send us an email directly at sales@stablevehiclecontracts.co.uk. You can also message us via our social media channels which are monitored daily. You can visit our Facebook and Instagram and DM us and we’ll get back to you as soon as possible regarding your personal car lease deal.
If you want to see our reviews, please visit our Reviews page. We’re rated 4.9 out of 5 by over 1,300+ genuine and verified customers.
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Why Should I Choose Personal Contract Hire?
Choosing Personal Contract Hire (PCH) offers several compelling advantages, making it a smart option for many drivers. Here are some key reasons why PCH might be the best choice for your next vehicle:
PCH provides financial flexibility and predictability, which are crucial for effective budgeting. With fixed monthly payments, you can accurately plan your expenses without worrying about unexpected costs. These payments are typically lower than those associated with traditional car finance options because you are only paying for the vehicle’s depreciation during the lease term. This setup allows you to allocate your finances to other important areas, providing greater financial freedom
Access to New Vehicles
One of the standout benefits of PCH is the opportunity to drive a brand-new car every few years. This means you can enjoy the latest models equipped with cutting-edge technology, enhanced safety features, and improved fuel efficiency. There's no need to compromise on the vehicle’s age or condition; with PCH, you can always be behind the wheel of a current, reliable model.
No Depreciation Worries
Car ownership comes with the inevitable issue of depreciation. New cars lose value quickly, which can be a significant financial drawback for owners. With PCH, this concern is eliminated. Since you’re leasing rather than buying, the depreciation risk lies with the leasing company. At the end of your contract, you simply return the car without having to deal with its reduced resale value, saving you from potential financial losses (as well as the hassle of dealing with private selling).
Simplified Maintenance and Lower Upfront Costs
Many PCH agreements can include maintenance and servicing packages, which can cover routine services and repairs. This inclusion not only simplifies car maintenance but also reduces unexpected repair costs. Furthermore, PCH typically requires a lower initial outlay compared to purchasing a vehicle outright or even other finance methods, making it an accessible option for many drivers. Our PCH agreement also includes vehicle tax for the duration of the contract.
Flexibility at the End of the Term
When your PCH agreement comes to an end, you have the flexibility to choose your next steps without the constraints of ownership. You can return the car and walk away, lease a new model, or switch to a different type of vehicle altogether. This flexibility ensures that your vehicle choice can adapt to changing lifestyle needs or personal preferences, providing a high degree of convenience and adaptability.
If you would like to learn more about personal contract hire, you can view our personal car leasing guides.
Why lease with Stable Vehicle Contracts?
Stable Vehicle Contracts have leased over 15,000 cars and vans since our inception back in 2009. We're part of a large dealership group called Swansway Motor Group, with over 25 dealerships across the UK. Our office is based in the Volkswagen Van Centre in Liverpool, one of the UK's leading van centres having won multiple awards.
Stable takes pride in our fantastic customer service and we maintain exceptional levels of customer satisfaction. We have over 1,300 5-star reviews from verified customers. Only customers who've received a vehicle from us can leave a review, so you know the reviews are genuine. As well as this, 99% of our customers would recommend us. You can read our glowing reviews on reviews.io here.
Stable is authorised and regulated by the Financial Conduct Authority (FCA), meaning we prioritise your interests and provide fair treatment according to their strict guidelines. This means you can expect a suitable service that puts your needs first.
Our Personal Car Lease Deals in 3 easy steps:
Choose your personal lease deal on our site
Choose the best personal lease deal for your vehicle by using our website. Put in your annual mileage, contract length, initial rental, and any extras such as maintenance or changing the spec of your vehicle.
Sign your finance documents
Submit your finance application via our website and then await the finance company's decision. Usually, they come back to us within 24 hours. Just sit back and relax for now.
Wait for your car to be delivered
Once you are approved for a vehicle, all you need to do is leave it to us. We'll keep you updated on the status of your vehicle and then let you know what date it will be delivered to your doorstep.
Interested in learning more about Personal Car Leasing?
Read our leasing guides below
More About Us
We're based inside the Volkswagen Van Centre in Liverpool. We're part of Swansway Motor Group, which has over 25 different dealership sites across the UK.
Our Leasing Guides
New to car leasing? Confused about what personal and business contract hire mean? View our leasing guides here to learn more.
Electric Leasing Guides
Want to lease an electric car or van? Confused about charging times, cables and other jargon? View our electric leasing guides to learn more.
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Personal Car Leasing FAQs
Personal car leasing, also known as Personal Contract Hire (PCH), is a vehicle leasing agreement for individuals. It allows you to drive a new car for a set period and fixed monthly payments without the intention of ownership.
Business car leasing is for companies and offers potential tax benefits, while personal car leasing is for individuals and does not offer business tax advantages. The terms and conditions can also differ based on usage and mileage allowances.
Leasing a car usually has lower monthly payments than buying one. However, buying might be cheaper in the long run if you keep the car for many years. Leasing is often preferred for lower upfront costs and avoiding depreciation worries.
At the end of a personal car lease agreement, you return the car to the leasing company. You can then choose to lease a new car, extend the current lease, or simply walk away.
It depends on your needs and financial situation. Leasing is better if you prefer driving new cars every few years and want lower monthly payments. Buying is better if you want long-term ownership and no mileage restrictions.
All of our personal car leasing contracts include free UK mainland delivery, tax included as part of the contract length and the full manufacturer's warranty for peace of mind.
Stable Vehicle Contracts does not offer insurance with our personal contract hire leasing offers. This is something you would need to sort yourself before the vehicle is delivered.