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Affinity Car Financing Types

The type of lease which will suit you is dictated by who is paying the bill: will the payments come out of your personal bank account or a company account?

If you are making the payments, you are a personal customer and you have three choices: Personal Contract Purchase (PCP), Personal Contract Hire (PCH) or Hire Purchase (HP).

If a company is making the payments you are a business customer and you have two choices: Contract Hire (CH) and Hire Purchase (HP).

Personal Contract Purchase

PCP gives a personal customer the option to purchase the car at the end of the lease period, however there is no obligation to do so.

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Personal Contract Hire

PCH is a lease with no option to buy at the end of the term - the car must be handed back to the finance company.

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Contract Hire

CH is a business lease, where the company hand the car or van back at the end of the lease period.

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Hire Purchase

HP offers monthly instalments with the person or company owning the vehicle upon payment of the final instalment.

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Finance types at a glance

Individual pays
Company pays
Option to purchase
Deposit needed
Road fund included

Delivery included
Manufacturer's warranty
Maintenance included
Insurance included
Roadside recovery
Part exchange available
Immediate delivery

Flexible finance available
Not included

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