Discover Vauxhall on Finance

How does car finance for Vauxhalls work?

Find your new car with a selection of Vauxhall car finance options:

Personal Contract Purchase (PCP) for Vauxhall 

Our PCP finance agreements for Vauxhall help you drive away a new model, with the benefit of monthly payments to suit a range of budgets. At the end of the agreement, you can choose to either:

1. Take ownership of your Vauxhall by making an optional final payment

2. Part exchange your Vauxhall for a new vehicle

3. Return your Vauxhall through our collection agent 

With a PCP finance agreement, you can enjoy a new Vauxhall without committing to ownership straight away. 

You may need to make an additional payment if your car has excess mileage or damage. To avoid damage charges all repairs should be made prior to the return of your vehicle. Find out more about excess charges at our end of agreement article.

Vauxhall and Personal Contract Hire (PCH)

Hire a car without having to worry about ownership with Vauxhall and PCH. When taking out a PCH agreement, you’ll pay an advanced rental, followed by fixed monthly payments for an agreed term. Enjoy your new Vauxhall for the length of your contract, then as long as your vehicle doesn’t have any excess mileage or unrepaired damage, you can simply return it. Find out more about excess mileage charges at our end of contract article.

Conditional Sale for Vauxhall

If you want to drive away in a new Vauxhall, but would prefer not to pay the full price upfront, Conditional Sale can help you to spread the cost. Just pay an initial deposit, followed by fixed monthly payments. Conditional Sale is a great way to own a Vauxhall at the end of the finance agreement without any final balloon payments.

Unlike PCP or PCH agreements, you won’t need to pay for any excess mileage or damage as you won’t hand the vehicle back.

If you still need help choosing the best car finance product, our interactive car finance tool can help.
 

Vauxhall Financing FAQs

Can I own my new Vauxhall at the end of the PCP agreement?

Yes, you can choose to own your new Vauxhall at the end of a PCP agreement, by making the final balloon payment. With a PCP agreement, you have three options; return the car, part exchange it for a new car or make an optional final balloon payment to own it.

To find out more about how PCP works take a look at the product page.

What’s the difference between PCH and PCP for Vauxhall?

The key difference between financing a Vauxhall with PCH vs PCP comes down to what happens at the end of your contract. With PCP agreements, you choose whether to hand back the car, part exchange it or buy it outright. 

Whereas, with PCH, you hire your Vauxhall and hand it back at the end of the agreement term, never taking ownership.

If you’re looking for flexibility and the option of buying the car, you might want to consider PCP or Conditional Sale. If ownership is not your preference, PCH may be the better choice.