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  • Top FAQs
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Personal contract purchase (PCP)

  • What are my options at the end of a PCP agreement?
  • What is personal contract purchase (PCP)?
  • What cars can I get with PCP finance?
  • What’s the optional final payment?
  • What happens if I go over my agreed mileage?
  • What if the dealership’s valuation of the car is higher than the optional final payment?
  • How do I trade in the car at the end of my PCP agreement?
  • What happens after I’ve arranged collection of my car?
  • Does returning the car at the end of a PCP agreement affect my credit rating?
  • What could I be charged for at the end of my PCP agreement?
  • How do I return the car at the end of my PCP agreement?
  • How do I make the optional final payment?
  • What happens if I don’t let you know what I want to do at the end of my PCP agreement?
  • Why does my PCP contract refer to hire purchase?

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Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG.

© Zopa Bank Limited 2025 All rights reserved. 'Zopa' is a trademark of Zopa Bank Limited.

Zopa is a member of Cifas – the UK’s leading anti-fraud association, and we are registered with the Office of the Information Commissioner (ZA275984).