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What is Personal Finance Lease?

A Personal Finance Lease (PFL) agreement is similar to Personal Contract Purchase (PCP) however, PFL offers a fixed monthly rental payment without the option to purchase the car at the end of the contract.

How PFL works with Stellantis Financial Services

A PFL agreement has two lease periods, in the first or primary lease period you can set the duration and you can tailor your monthly payments to better suit your budget. This can be done by varying the deposit and duration of the contract or agreeing a final lump sum (balloon payment) at the end of the primary lease period.

The balloon payment is calculated on the anticipated value of the vehicle at the end of the primary lease period. You then have the choice of ending the agreement or entering into a secondary lease period.

Your end of primary lease period options

At the end of the primary lease period, you have the following options:

  1. Sell the car to a third party on our behalf
    If you sell it for less than the balloon payment value, you’ll have to pay the difference. If you sell it for more then you’ll keep the surplus.
  2. Part exchange the car
    Available for a new vehicle with one of our retailers.
  3. Return the car
    Return it to us and pay any excess mileage and/or damage charges (if applicable).
  4. Extend the car lease
    To enter into a secondary rental period you’ll need to pay the balloon payment and a peppercorn rental, which is a payment equal to one months rental, payable every year until you return the car or notify of sale to the third party.

Features & benefits of Personal Finance Lease

  • Personal Finance Lease is available on new cars.
  • You’ll receive a budget-friendly agreement tailored to you.
  • A low initial outlay and a fixed monthly budget over an agreed term.
  • Finance is available on a wide range of cars, with a number of manufacturers to choose from.


Find a Retailer

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DS Automobiles

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Your local retailer will be happy to discuss your options.


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Configure your vehicle and get a quote online or visit your local retailer for further details.


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Build, price and view online using the Jeep® virtual demo tool or visit your local retailer for a test drive and further information.


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Build your vehicle online, book a test drive or locate your nearest dealer today.


Whether you're looking for a compact city car or a larger SUV, Peugeot has something for you.

Configure your vehicle, get a part exchange valuation and apply for finance online. Alternatively, visit your local retailer for further information.


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Browse, configure, apply for finance and order online, or visit a local retailer for more information.