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17th Nov 2018 - Take a look around our website for the latest contract hire and leasing offers, we also offer Short Term Car Leasing
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Personal Contract Hire Offers : Cars

Personal Contract Hire (PCH) is becoming a popular choice for private individuals with many people opting for the leasing model over traditional finance such as Hire Purchase or Personal Contract Purchase (PCP).

When you take a Personal Contract Purchase, you pay the rent to the leasing funder, leaving the finance company to worry about the depreciation of the vehicle and the disposal. You never own the vehicle from Day 1.

Alfa RomeoGiulia Saloon
2.0 T 200 Super 4Dr Auto [Start Stop]
Special deal
Personal contract hire Alfa Romeo Giulia, Saloon
£378.95 incl VAT monthly rental
£2273.70 incl VAT initial rental
Personal contract hire
Contract term: 48 months
Rental profile: 6 + 47
Annual mileage: 10000
2 litre Petrol Automatic
 
MaseratiLevante SUV 4wd
3.0 D V6 275 5Dr ZF [Start Stop]
Special deal
Personal contract hire Maserati Levante, SUV / 4x4
£668.51 incl VAT monthly rental
£4011.06 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 48 months
Rental profile: 6 + 47
Annual mileage: 10000
3 litre Diesel Automatic
 
MazdaMazda6 Saloon
2.0 SKYACTIV-G 145 SE-L Nav 4Dr Manual [Start Stop]
Special deal
Personal contract hire Mazda Mazda6, Saloon
£219.60 incl VAT monthly rental
£1317.60 incl VAT initial rental
Personal contract hire
Contract term: 24 months
Rental profile: 6 + 23
Annual mileage: 10000
2 litre Petrol Manual
Land RoverRange Rover Evoque SUV FWD
2.0 eD4 150 SE 5Dr Manual [Start Stop]
Special deal
Personal contract hire Land Rover Range Rover Evoque, SUV / 4x4
£358.90 incl VAT monthly rental
£2153.40 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
2 litre Diesel Manual
 
AudiA3 30 Saloon
1.0 TFSI 116 Sport 4Dr Manual [Start Stop]
Special deal
Personal contract hire Audi A3, Saloon
£265.16 incl VAT monthly rental
£1590.96 incl VAT initial rental
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
1 litre Petrol Manual
 
BMW2 Series 218 Coupe
1.5 i 136 M Sport 2Dr Auto [Start Stop]
Special deal
Personal contract hire BMW 2 Series, Coupe
£335.76 incl VAT monthly rental
£2014.56 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
1.5 litre Petrol Automatic
BMW4 Series 420 xDrive Coupe
2.0 i 184 M Sport 2Dr Auto [Start Stop]
Special deal
Personal contract hire BMW 4 Series, Coupe
£351.46 incl VAT monthly rental
£2108.76 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
2 litre Petrol Automatic
 
JaguarXE Saloon
2.0 d 180 R-Sport 4Dr Auto [Start Stop]
Special deal
Personal contract hire Jaguar XE, Saloon
£338.82 incl VAT monthly rental
£2032.92 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
2 litre Diesel Automatic
 
Mercedes-BenzCLA CLA180 Coupe
1.6 122 AMG Line Edition 4Dr Manual [Start Stop]
Special deal
Personal contract hire Mercedes-Benz CLA, Saloon
£257.66 incl VAT monthly rental
£1545.96 incl VAT initial rental
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
1.6 litre Petrol Manual
MINIHatch Cooper
1.5 136 5Dr Manual [Start Stop]
Special deal
Personal contract hire MINI Hatch, Hatchback
£206.99 incl VAT monthly rental
£1241.94 incl VAT initial rental
This vehicle is in stock
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
Petrol Manual
 
AudiA8 50 Saloon quattro
3.0 TDI V6 286 S line 4Dr Tiptronic [Start Stop]
Personal contract hire Audi A8, Saloon
£805.04 incl VAT monthly rental
£4830.24 incl VAT initial rental
Personal contract hire
Contract term: 24 months
Rental profile: 6 + 23
Annual mileage: 10000
3 litre Diesel Automatic
 
SuzukiSwift Hatch
1.0 Boosterjet 111 SZ-T 5Dr Manual
Personal contract hire Suzuki Swift, Hatchback
£148.81 incl VAT monthly rental
£892.86 incl VAT initial rental
Personal contract hire
Contract term: 36 months
Rental profile: 6 + 35
Annual mileage: 10000
1 litre Petrol Manual

About personal contract hire

When you take a Personal Contract Purchase, you effectively rent the vehicle from the finance company. This has many benefits to you but the most important aspect of this sort of agreement is that you leave the depreciation and the disposal to them.

Would Personal Contract Hire work for me?

Personal Contract Hire doesn't work for everyone, you've got to commit to the term of between 18 and 48 months. Early termination can be costly and as we all know circumstances can change.

However, if you can commit to a period then Personal Contract Purchase can be a great way of running a vehicle.

If you choose to lease a vehicle using Personal Contract Purchase, you will make a number of monthly payments for the duration of the lease agreement, this is usually between 18 and 48 months. You will pay an initial rental upfront, this is usually the equivalent of 3, 6, 9 or 12 months upfront, however, don't get confused. The initial payment does not count towards any more than your first months rental and is just a term used in the Contract Hire & Leasing sector.

At the end of the contract you simply hand the vehicle back to the finance company leaving you to take out another or purchase a vehicle.

Do I qualify for a Personal Contract Hire?

Personal Contract Hire is available from multiple funders and their credit status criteria differs from firm to firm. The majority of the leasing funders that we use within our Long Term Contracts will require a Good to Excellent credit score. Some may look at taking you on and may differ the terms offered, should you not meet this criteria.

Cocoon Vehicles can help you should you not meet the needs of the funder, we can utilise our Short Term Car Leasing fleet to get you mobile and give you time to correct your credit score ready for a long term deal. Please contact the team on 0800 802 1940 for more information on this programme.

End of Contract Process for Personal Contract Purchase

At the end of the contract, your vehicle is returned to the Contract Hire funder. This means that you are free to hire or purchase another car.

If you have gone over the contracted mileage on the car, an excess mileage will be payable. At the beginning of the contract it is always best to estimated the mileage based on true figures and not just head straight for the headline price. All excess mileage is based on a pence per mile basis and will be laid out to you in the contracts at the beginning of the agreement.

When the vehicle is returned, the vehicle will be assessed according to the BVRLA Fair Wear and Tear Guidelines (This does not include flexi-rent or Short Car Leases). Any damage that falls outside of these guidelines may be subject to end-of-lease charges. For more information on the end of contract procedures, please visit the BVRLA Fair Wear & Tear Guidelines.

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