PERSONAL CONTRACT PURCHASE (PCP)
Tailor your journey and drive a new or approved used vehicle with a flexible monthly plan that offers lower monthly payments.
HOW IT WORKS
CHOOSE YOUR VEHICLE
Available on new and approved used vehicles up to five years old.
PAY A DEPOSIT
Agree a deposit with your retailer. This will be deducted from the price of the vehicle. A £0 deposit may be available.
DECIDE YOUR ANNUAL MILEAGE
Choose your mileage up to an annual maximum of 35,000 miles a year.
CHOOSE YOUR AGREEMENT LENGTH
Agreement terms can range between one to five years to suit your needs. Promotional offer terms may vary.
END OF AGREEMENT OPTIONS
RENEW
Part exchange the vehicle, subject to settlement of your existing finance agreement. New finance agreements are subject to status.
RETAIN
To keep your vehicle, you only need pay the optional final payment, based on your vehicle’s Guaranteed Minimum Future Value.
RETURN
Return the vehicle. Provided the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.
AVAILABLE PCP OFFERS
£1,029 per month
plus deposit and optional final payment
PCP Representative Example1
- £23,385
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £105,675 | Customer Deposit: £23,385 | Total Amount of Credit: £82,290 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £1,029 | Optional Final Payment: £48,348 | Total Amount Payable: £121,125 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£1,099 per month
plus deposit and optional final payment
PCP Finance Example2
- £28,155
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £125,355 | Finance Deposit Allowance (FDA): £5,000 | Customer Deposit: £28,155 | Total Amount of Credit: £92,200 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £1,099 | Optional Final Payment: £57,087 | Total Amount Payable: £142,994 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£1,179 per month
plus deposit and optional final payment
PCP Finance Example3
- £25,386
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £115,915 | Customer Deposit: £25,386 | Total Amount of Credit: £90,529 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £1,179 | Optional Final Payment: £50,649 | Total Amount Payable: £132,627 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£1,719 per month
plus deposit and optional final payment
PCP Finance Example4
- £37,889
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £174,345 | Customer Deposit: £37,889 | Total Amount of Credit: £136,456 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £1,719 | Optional Final Payment: £70,228 | Total Amount Payable: £190,629 | Representative APR: 3.9% APR | Interest Rate (Fixed): 3.83% | Mileage per Annum: 10,000
£729 per month
plus deposit and optional final payment
PCP Representative Example5
- £19,334
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £88,575 | Finance Deposit Allowance (FDA): £4,000 | Customer Deposit: £19,334 | Total Amount of Credit: £65,241 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £729 | Optional Final Payment: £43,026 | Total Amount Payable: £101,352 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£969 per month
plus deposit and optional final payment
PCP Finance Example6
- £25,925
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £119,025 | Finance Deposit Allowance (FDA): £5,000 | Customer Deposit: £25,925 | Total Amount of Credit: £88,100 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £969 | Optional Final Payment: £46,794 | Total Amount Payable: £124,231 | Representative APR: 1.9% APR | Interest Rate (Fixed): 1.88% | Mileage per Annum: 10,000
£1,389 per month
plus deposit and optional final payment
PCP Finance Example7
- £30,331
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £139,995 | Customer Deposit: £30,331 | Total Amount of Credit: £109,664 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £1,389 | Optional Final Payment: £63,474 | Total Amount Payable: £160,477 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£599 per month
plus deposit and optional final payment
PCP Representative Example8
- £6,391
Customer Deposit - 49 months
Duration of Agreement - 8,000
Mileage per Annum
On the Road Price: £53,235 | Finance Deposit Allowance (FDA): £3,000 | Customer Deposit: £6,391 | Total Amount of Credit: £43,844 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £599 | Optional Final Payment: £20,140 | Total Amount Payable: £58,283 | Representative APR: 3.9% APR | Interest Rate (Fixed): 3.83% | Mileage per Annum: 8,000
£599 per month
plus deposit and optional final payment
PCP Representative Example9
- £9,571
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £57,395 | Finance Deposit Allowance (FDA): £1,000 | Customer Deposit: £9,571 | Total Amount of Credit: £46,824 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £599 | Optional Final Payment: £23,624 | Total Amount Payable: £62,947 | Representative APR: 3.9% APR | Interest Rate (Fixed): 3.83% | Mileage per Annum: 10,000
£599 per month
plus deposit and optional final payment
PCP Representative Example10
- £15,809
Customer Deposit - 49 Months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £72,505 | Finance Deposit Allowance (FDA): £4,000 | Customer Deposit: £15,809 | Total Amount of Credit: £52,696 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £599 | Optional Final Payment: £33,251 | Total Amount Payable: £81,812 | Representative APR: 5.4% APR | Interest Rate (Fixed): 5.27% | Mileage per Annum: 10,000
£489 per month
plus deposit and optional final payment
PCP Representative Example11
- £9,610
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £50,500 | Finance Deposit Allowance (FDA): £3,000 | Customer Deposit: £9,610 | Total Amount of Credit: £37,890 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £489 | Optional Final Payment: £21,441 | Total Amount Payable: £57,523 | Representative APR: 5.9% APR | Interest Rate (Fixed): 5.74% | Mileage per Annum: 10,000
£739 per month
plus deposit and optional final payment
PCP Representative Example12
- £18,898
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £87,960 | Finance Deposit Allowance (FDA): £4,000 | Customer Deposit: £18,898 | Total Amount of Credit: £65,062 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £739 | Optional Final Payment: £44,182 | Total Amount Payable: £102,552 | Representative APR: 6.7% APR | Interest Rate (Fixed): 6.50% | Mileage per Annum: 10,000
£659 per month
plus deposit and optional final payment
PCP Representative Example13
- £16,873
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £78,305 | Finance Deposit Allowance (FDA): £2,000 | Customer Deposit: £16,873 | Total Amount of Credit: £59,432 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £659 | Optional Final Payment: £43,057 | Total Amount Payable: £93,562 | Representative APR: 7.5% APR | Interest Rate (Fixed): 7.25% | Mileage per Annum: 10,000
£599 per month
plus deposit and optional final payment
PCP Representative Example14
- £15,149
Customer Deposit - 49 months
Duration of Agreement - 10,000
Mileage per Annum
On the Road Price: £68,645 | Customer Deposit: £15,149 | Total Amount of Credit: £53,496 | Purchase Fee (included in final payment): £10 | 48 Monthly Payments: £599 | Optional Final Payment: £38,433 | Total Amount Payable: £82,334 | Representative APR: 7.5% APR | Interest Rate (Fixed): 7.25% | Mileage per Annum: 10,000
PCP AT A GLANCE
VEHICLE OPTIONS
Available for both new and approved used vehicles.
OWNERSHIP CHOICE
Renew, retain or return your vehicle.
LENGTH OF AGREEMENT
Choose your contract length from 12 – 48 months.
ANNUAL MILEAGE
Select your mileage up to 35,000 annual miles.
MONTHLY PAYMENTS
Make equal monthly payments with an optional final payment. All payments are fixed on dates agreed by you, allowing you to budget accordingly.
GUARANTEED VALUE
Predicted value protects you against any potential fall in used vehicle values. The value of the vehicle is guaranteed to at least equal that of the optional final payment.
FLEXIBLE DEPOSIT OPTIONS
Arrange an amount with your retailer. A £0 deposit may be available.
MAINTENANCE
No optional maintenance package available.
NEXT STEPS
FINANCE PRODUCTS EXPLAINED
Find information on eligibility criteria, early termination and more.
Range Rover PCP
1Representative Example relates to a Range Rover 26MY D300 SE. 5.9% APR Representative available on Range Rover models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
2Finance Example relates to a Range Rover 26MY D300 Autobiography. 5.9% APR Representative available on Range Rover models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
3Finance Example relates to a Range Rover 26MY P460e SE. 5.9% APR Representative available on Range Rover models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
4Finance Example relates to a Range Rover 26MY P615 SV. 3.9% APR Representative available on Range Rover SV models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
Range Rover Sport PCP
5Representative Example relates to a Range Rover Sport 26MY D300 Dynamic SE. 5.9% APR Representative available on Range Rover Sport models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
6Finance Example relates to a Range Rover Sport 26MY P530 Autobiography. 1.9% APR Representative available on Range Rover Sport models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
7Finance Example relates to a Range Rover Sport 26MY P635 SV. 5.9% APR Representative available on Range Rover Sport SV models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH
Range Rover Evoque PCP
8Representative Example relates to a Range Rover Evoque 26.75MY D200 Hoxton Edition. 3.9% APR Representative available on Range Rover Evoque models ordered between 7th January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 32,666 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 32,666 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 8,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
Range Rover Velar PCP
9Representative Example relates to a Range Rover Velar 26.75MY D200 Belgravia. 3.9% APR Representative available on Range Rover Velar models ordered between 14th January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
DISCOVERY PCP
10Representative Example relates to a Discovery 26MY D350 Gemini. 5.4% APR Representative available on Discovery models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only. With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
DISCOVERY SPORT PCP
11Representative Example relates to a Discovery Sport 26.5MY D200 Landmark (5 Seat). 5.9% APR Representative available on Discovery Sport models ordered between 7th January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only.
With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
12Defender 130 PCP - Representative Example relates to a Defender 130 26MY D350 X-Dynamic HSE [8 Seat]. 6.7% APR Representative available on Defender 130 models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only. With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
13Defender 110 PCP - Representative Example relates to a Defender 110 26MY D350 X-Dynamic HSE. 7.5% APR Representative available on Defender 110 models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only. With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
14Defender 90 PCP - Representative Example relates to a Defender 90 26MY D250 X-Dynamic HSE. 7.5% APR Representative available on Defender 90 models ordered between 1st January 2026 and 31st March 2026, and registered by 30th June 2026 at participating retailers only. With Land Rover Personal Contract Purchase you have the option at the end of the agreement to: (1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the permitted maximum mileage a charge per excess mile will apply. In this example if the vehicle has exceeded the permitted maximum mileage of 40,833 miles, a charge of 16.8p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded 40,833 miles you will have nothing further to pay. (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status. Finance Example is based upon an annual mileage of 10,000 miles. Credit is subject to status and only available to UK residents, aged 18 and over. This credit offer is only available through Black Horse Limited trading as Land Rover Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.