PCP Car Finance Deals For New & Used | Forza Finance

PCP Car Finance

What is PCP finance?

PCP finance offers the best in flexibility as you don't have to commit to buying the asset from the outset. You can use it for an agreed period of time, usually between 12 months and 4 years, and then decide at the end of this period what you would like to do with the asset.

At the beginning of the agreement your assets guaranteed future value (GFV) is calculated, based on an agreed mileage and age. This is deferred as a final 'balloon' payment.

At the end of the PCP vehicle finance agreement you have several options for what you can do with the vehicle. You can:

  • Buy the vehicle by paying an agreed minimum residual value with option to re-finance
  • Part-Exchange the vehicle for another
  • Sell the vehicle privately (settling the balloon)
  • Or return the vehicle with nothing more to pay (e.g. if depreciation resulted in negative equity)

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    Personal Contract Purchase PCP

    Personal Contract Purchase or PCP is an increasingly popular choice for vehicle finance. If you are looking for flexibility and low, fixed monthly payments for a new or used vehicle, PCP is perfect if you are opting out of your company vehicle scheme. Your company vehicle allowance can fund your monthly payments, but there is no company vehicle tax to pay. PCP finance may be the option for you.

    Advantages of Personal Contract Purchase:


    No matter what you need help with funding the purchase of, Forza Finance can help


    We value Forza Finance customers and appreciate their feedback
    • Carl Thomas
      Great experience can’t recommend enough
      Carl Thomas
    • Shannon
      Jordan Scraggs and the rest of the team were great! They advised us and kept us in the loop and achieved the best deals possible. Their approach was friendly and polite and everything was explained perfectly. They sourced the best possible finance options with the lowest APR achievable. Would highly recommend and would definitely use again in a heart beat! Thank you
    • Atlanta
      Danny was really helpful from start to finish, answered any questions I had straight away and made the whole process a lot easier for me
    • Dean Dale
      Superb from start to finish. Rahman was brilliant when explaining the process and very helpful when I had any questions or queries.
      Dean Dale
    • Gavin Potter
      Jordan is heads above anyone in any business you will deal with. Service in another stratosphere and how it should be and then some. Top rates too.
      Gavin Potter
      Simple and clear process. Jordan was a great help. Many thanks
    • Richard Thomas
      This company is amazing! Since day one I was looked after so well and kept informed through the whole process of buying my dream car. I was messed around by two garages so I had to get a few different quotes! But it was no problem for Forza :-) Jordan Scraggs your amazing and a credit to your company! So professional and made everything run so smoothly. Thank you Jordan Scraggs. Amazing guy ! Amazing company.
      Richard Thomas
    • Simon Chamberlain
      Absolutely No Other Way To Get Finance, Brilliant company & people. Top man to Jonathan, very helpful & saved me tonne of money, so I could buy the car & spec I wanted!!!
      Simon Chamberlain
    • Erin Martin
      Great experience - Jonathon was extremely helpful and made the process easy and simple. Thank you😊
      Erin Martin
    • NH
      Great service and competitive finance rates, would definitely recommend. I got a quote from Forza after being disappointed with dealership finance options when looking for a used car. The service was professional and straightforward and I would definitely recommend & use again!
    • Luke
      Came across Forza Finance through google search and I’m glad I found them. Dealt with Jordan Scraggs from start to finish, very professional and helpful. I would definitely return to Forza for my next car finance deal and recommend to others. Many thanks Luke
    • Thomas
      Jordan was a dream to work with on this, extremely responsive and very helpful with anything I’ve asked of him. Very easy to deal with and made the process very straight forward - will definitely be coming back to them when this car ends!
    • Stuart Murphy
      A very simple and efficient service while also providing the most competitive quote I could find. Excellent.
      Stuart Murphy
    • Jo
      What fantastic service and the turnaround from receiving the paperwork to funds released was incredible.
    • Gordon Fuller
      Jordan at Forza was fantastic dealt with my enquiry extremely efficiently from initial enquiry and application through to release of funds within 7 days over the Xmas and New year period in midst of covid pandemic !! Highly recommend. Regards Gordon Fuller
      Gordon Fuller
    • Joe Kelvey
      Rahman was quick with communication and efficient in getting everything in order, answered any questions I had and handled everything needed. Will definitely be returning for my next car.
      Joe Kelvey
    • Andrew
      I dealt with Jordan who was excellent throughout. Sorted the finance extremely smoothly and efficiently and then liaised with the car dealer expediently. Absolutely no gripes whatsoever. Thank you very much
    • Darren Boyce
      After being quoted for PCP finance by a main dealer I decided to look for my own finance.. Forza Finance came up in my search engine so I gave them a go! I can honestly say this was the best decision I could of made. From start to finish I was looked after by Nick Relf. Nick was open, honest and so easy to deal with, responding to all my questions and requests with real urgency and clarity. Not only that, I saved money as well! Thank you Forza and thank you Nick.. First class service
      Darren Boyce
    • Dominic Sands
      Fantastic service and unbeatable product!! Having been refused an HP offer from the main dealer, Forza didn't only find a product that matched my requirements, they manged to beat APR quotes from other lenders by quite a considerable amount, saving huge amounts. The professionalism, knowledge and support provided for by Danny Page, not only made an otherwise complicated process flow with ease, he kept me fully updated and answered all my questions in real time. If you're looking to save time, money and stress, I can’t recommend Forza Finance enough! Probably the best finance company to have dealings with. In a word, superb!
      Dominic Sands
    • Geoff Read
      I was very impressed with the ease and speed of completing the process. Nick help by providing a number of quotations to help me identify the level of financing I was comfortable with.
      Geoff Read
    • Chris
      Never used the company before but will certainly be using them again. Rare thing to find in the motoring world a company that's fair, excellent service and does everything they say they'd do. Jordan was sublime from start to finish ad well accommodating.
    • Steve
      Danny was really helpful from start to finish, answered any questions I had straight away and made the whole process a lot easier for me.
    • JANE BOX
      Excellent service. Jordan looked after us throughout and was always available to talk through any questions or queries we had. The speed of service was superb - the process took less than a day from start to finish with the funds being transferred almost immediately. I would highly recommend Forza to anyone who's looking to get finance for their vehicle. We're now looking forward to picking up our camper van tomorrow and making the most of the sunshine :). Many thanks Jordan
      JANE BOX
      First class service. I was recommended Nick from Forza by a friend and I couldn’t have been more happy with the service I received. Pleasant, helpful and professional. I would definitely use them again and recommend wholeheartedly
      Great service from Forza Finance. Rahman was amazing and managed to turn everything around really quickly so we can pick up our lovely new van. Would definitely recommend these guys.
      Just fantastic! Pain free experience. These guys were brilliant. From initial enquiry until completion it took 24 hours and all paperwork was sorted and funds paid. Big Shout out to Jordan for being always on hand. I will be using them again for sure!
      Would definitely recommend!! Forza were very easy to deal with and even though the actual finance was eventually arranged with the same company as the dealer had quoted with, Forza were able to arrange a deal saving me over £500! Rahman at Forza was a pleasure to communicate with, always polite, makes a difference these days!
      Jordan at Forza Finance has been an absolute star to work with. Nothing was too much trouble for him, and he really went all out to make the deal happen for me. I was kept in the loop the entire time, and Jordan was extremely easy to get hold of should I have had any questions - no nightmare phone trees to deal with! An all round great experience with Forza and Jordan, I can’t rate them highly enough.
    • ANDY
      Fantastic support from Forza who were a massive help in getting our dream motor home on the road. Rahman was fantastic support at every step of the journey. Couldn’t be happier :) well done
      Jordan was excellent. Sent my enquiry over late Saturday, had the documents at an impressive rate by Monday. Very happy with the rates given and the customer service! Should I need any more finance I will definitely be using this company!
    • The service provided by Forza Finance is excellent! They make sure everything is clear and they are in constant communication with you so you know where you are at in the process. Both Jordan and Nick were extremely helpful and they got me a great deal. Would definitely recommend!
    • From start to finish Forza Finance were extremely swift with all communications and I managed to get a really competitive deal matched with great customer service. I would highly recommend.
    • Excellent service from the team at Forza from start to finish.....7 star service.
    • Forza finance came to the rescue and found a storming deal. Easy to deal with asked a few questions and had the deal sorted in 2-3 days Evan over the Christmas period.
      Thomas Phillips
    • I was recommended Forza by a friend and I couldn’t have been more happy with the service I received. Pleasant, helpful and professional. I would definitely use them again and recommend wholeheartedly.
      Jane Hill
    • Just thought I’d drop you a line to thank you for assisting me with the finance of my new car. Your courtesy and professionalism has made the whole process a breeze from start to finish and, as such, it has been a pleasure dealing with yourself and Forza Finance. Thank you, once again. I will definitely recommend your services to colleagues, friends and family. Kind regards, Henry Hichens.
    • Absolutely amazing customer service!! Very friendly, prompt and efficient service! Especially Nick who went above and beyond to really help us out! Highly recommend it anyone! Excellent customer service and incredible staff support! Really appreciate it! Thank you, Vithiya
    • Thanks for taking the time and making an effort in finding the right finance package for me. This was an important purchase and Forza displayed both the knowledge and expertise in securing and executing the deal with the minimum of fuss. I would highly recommend their services.
      Rod Watson
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    • I wanted to get the best finance deal for my purchase and I'm extremely pleased I took my business to Forza. The Lease Purchase product recommended provided a strong residual value and affordable monthly payments. I will be back when I'm looking to buy again.
      Steve Bennett
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    • The number of options and subsequent advice made it easier for me to understand the products and make the best choice for me. Thanks for all your help and I will definitely be recommending you to friends, family and colleagues.
      Mr M. Ahmad
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    • Forza Finance have worked with new client Hillside Leisure, specialists in Motorhomes and Campervans, on their funding solutions. Their first joint customer is now the proud owner of a Stone Blue VW Birchover.
      Hillside Leisure
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    • From start to finish very impressed with the finance offered and customer service! Would recommend these guys before using dealer finance.
      Mike Richardson
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    • Excellent comprehensive service. Clear and helpful advice, trouble free from start to finish, extremely helpful adviser (Barry Stockwell) and provided clear and timely communication with me the client, the car dealership and the lender. In addition to great customer service, Forza Finance managed to find the best interest rate on the market and provided the most cost effective PCP solution when compared against three other brokers and the car dealership's own finance. Would recommend without reservation. Thank You.
      Mrs Arnold
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