Personal car leasing, also known as Personal Contract Hire (PCH) is a simple, flexible way for private individuals to drive a new car without the hassle of buying it outright. Rather than owning the vehicle, you pay a fixed monthly rental for an agreed period and mileage, giving you predictable costs and access to the latest models.
Personal Contract Hire is effectively long-term car rental. You agree:
A contract length (typically 24–60 months)
An annual mileage limit
A fixed initial rental followed by monthly payments
In return, you get the use of the car for the duration of the agreement. At the end of the contract you simply return the car — there’s no option to buy it.
You pay an agreed initial rental (deposit) and then fixed monthly payments — meaning you know exactly what you’ll pay each month with no worrying about depreciation or selling the car later.
Personal leasing means you don’t own the vehicle — so you avoid the risks of depreciation and disposal. Simply return the car at the end of your contract.
Choose the contract length and mileage that best suits your lifestyle. You can often include additional options like maintenance and servicing packages to simplify running costs.
Depending on the agreement, road tax (Vehicle Excise Duty) and even breakdown cover can be included — giving you added peace of mind.
Choose Your Car
Select from a wide range of new vehicles from all major manufacturers.
Set Your Contract
Decide on your desired contract length, annual mileage and initial rental.
Agree Terms & Drive
Once approved, you’ll pay the initial rental and start your fixed monthly payments.
Return or Renew
At the end of your contract, return the car, extend your lease or choose another new vehicle.
At the end of your contract you simply hand the car back to us — there’s no option to purchase. This makes PCH ideal if you like to change vehicles regularly or want a hassle-free motoring solution.
Yes, many personal lease agreements allow you to add a maintenance package covering items like routine servicing, MOT, tyres and repairs
If you exceed your agreed mileage during the contract, excess mileage charges will apply at the end of the lease term — so it’s important to choose a realistic mileage limit from the start.
Yes — because you’re the registered keeper, you’re responsible for arranging fully comprehensive insurance for the duration of the lease.
