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High Residual Values = More Affordable. Land Rover models have class-leading residual values. If you choose our Land Rover Freedom (PCP) plan, high residual values result in you making lower monthly payments. See below for a full explanation.

Fixed Interest Rates. Our interest rates are fixed for the length of the financial plan agreement so you can budget more easily.

Less Money Up Front. If you choose one of our Financial Services plans, you will need less money to get on the road compared to buying your Land Rover upfront and outright.

A Popular Choice. If you choose one of our finance plans you'll not be alone. Retailer finance was used to buy more than three in four new cars sold to private buyers in 2014.

Options to Suit You. There are five Land Rover Financial Services plans to choose from: Personal Contract Payment (PCP), Hire Purchase (HP), Land Rover Advance Payment Plan (APP), Balloon Payment and Business Contract Hire.


  • Land Rover models have class-leading residual values.
  • This means that they typically hold onto their value better than other makes of car over a certain period of time – the length of a financial agreement, for instance.
  • Depreciation is the value that a vehicle loses over a period of time. Depreciation = New Car Value – Residual Value. So, higher residual value means lower depreciation.
  • With our popular Land Rover Freedom (PCP) plan, your monthly payments are calculated based on the predicted depreciation of the vehicle over the 1-4 year period of your agreement.
  • Payments are based on the price less any applicable deposit plus interest. The Guaranteed Minimum Future Value (the predicted value of your car at the end of your agreement) is then deducted from this sum and divided by the term to give the monthly payments.

... all of which means that the class-leading residual values of Land Rover models makes them more affordable on a month-by-month basis.


We know that comparing financial agreements can be complicated and confusing.

That’s why our Land Rover Financial Services guides will simplify and explain the benefits of each available plan. At this point, you may want to consider:

  • Can I afford higher or lower monthly payments?
  • Do I want to pay for some of the car now, and then pay the rest off later?
  • Do I want to own the car outright at the end of my finance agreement?
  • Do I like driving the newest models available?
  • Do I want flexibility in my agreement?

Each plan works differently, but broadly speaking, Land Rover Financial Services will buy the vehicle on your behalf and then you repay the amount borrowed with interest.


Hire Purchase (HP) Personal Contract Purchase (PCP) Advance Payment Plan Balloon Hire Purchase / Lease Purchase
Business Contract Hire
Deposit Required Flexible Deposit Options from 0% may be available subject to status Flexible Deposit Options from 0% may be available subject to status Deposit equates to the total price of the vehicle less the Guaranteed Minimum Future Value (GMFV) plus any interest applicable Flexible Deposit Options from 0% may be available subject to status 1-12 months initial rental in advance
Maximum Age of the Vehicle at the End of the Agreement 14 years old† 8 years old 3 years 7 years old 5 years
Length of the Agreement 1-5 years 1-4 years 1-3 years 1-4 years 2-5 years
Ownership Options at the End of the Agreement 1) Part Exchange*
2) Pay the outstanding Final Payment to transfer title to the vehicle ***
1) Part Exchange*
2) Pay the outstanding Final Payment to transfer title to the vehicle ***
3) Return the vehicle (under the Goods Return Option)**
1) Part Exchange*
2) Pay the outstanding Final Payment to transfer title to the vehicle ***
3) Return the vehicle (under the Goods Return Option)**
1) Part Exchange*
2) Pay the outstanding Final Payment to transfer title to the vehicle ***
Return the vehicle
Fixed Payments Yes Yes No monthly payments Yes No
Mileage Restrictions Apply?
No No
Optional Vehicle Maintenance Cover No No No No Yes
Final Lump Sum Payment at the End of the Agreement No Yes Yes Yes No
Full Comprehensive Insurance Required Yes Yes Yes Yes Yes

† Some exceptions apply
* Part exchange is subject to settlement of your existing finance agreement, new finance agreements are subject to status.
** You have the option at the end of the agreement to return the vehicle and not pay the deferred Final Payment. If the vehicle is in good condition and has not exceeded the allowed mileage you will have nothing further to pay. If the vehicle has exceeded the allowed mileage a charge for excess mileage will apply.
*** Final Payment includes Option to Purchase Fee
Credit is provided by Land Rover Financial Services a trading style of Black Horse Ltd, St William House, Tresillian Terrace, Cardiff CF10 5BH. Land Rover Contact Hire is a trading style of Lex Autolease Limited, Heathside Park, Heathside Park Road, Stockport, SK3 0RB

Jaguar Land Rover Limited: Registered office: Abbey Road, Whitley, Coventry CV3 4LF. Registered in England No: 1672070

The figures provided are as a result of official manufacturer's tests in accordance with EU legislation. A vehicle's actual fuel consumption may differ from that achieved in such tests and these figures are for comparative purposes only.

The figures provided are NEDCeq calculated from official manufacturer’s WLTP tests in accordance with EU legislation. For comparison purposes only. Real world figures may differ. CO2 and fuel economy figures may vary according to wheel fitment and optional extras fitted. NEDCeq are figures calculated using a Government formula from WLTP figures equivalent to what they would have been under the old NEDC test. The correct tax treatment can then be applied.

The figures provided are WLTP. WLTP is the new official EU test used to calculate standardised fuel consumption and CO2 figures for passenger cars. It measures fuel, energy consumption, range and emissions. This is designed to provide figures closer to real-world driving behaviour. It tests vehicles with optional equipment and with a more demanding test procedure and driving profile.

TEL (Test Energy Low) and TEH (Test Energy High) figures are shown as a range under WLTP testing measures. TEL refers to the lowest/most economical figures (with the lightest set of options). TEH refers to the highest/least economical figures (with the heaviest set of options). WLTP legislation dictates that where there is <5g CO2 variance between TEL and TEH, only the TEH is declared.