Hit the road in the latest car with PCP finance.

    Car Finance

    New style? More room?

    With our Personal Contract Purchase (PCP) plan, you can switch your car regularly.

    Get a great rate of 5.9% APR Representative when you borrow from £3,000 to £60,000.

    Get a quote


    New wheels more often

    We call our PCP offering Flex Car Plan, because it can give you the flexibility to switch to a newer car more often. At the end of your agreement, you have three options:

    • switch the old car for a new one, subject to settling your agreement with us
    • own the car by paying an optional final lump sum
    • just hand the keys back and walk away, with no final lump sum to pay (return conditions apply).
    Percentage rate

    A rate to suit your pocket

    What’s more, we can give you a great rate of just 5.9% APR Representative when you borrow between £3,000 and £60,000.

    Get a quote

    2 year switch

    No more headaches over depreciation

    With PCP, you can afford to relax, because you get a guaranteed future value for your car. If you keep it in tip-top shape and within the agreed mileage limit, you have the option to return it at the end of the agreement with nothing left to pay.

    More money for you

    Work out the cost before you apply

    Our car finance calculator helps you figure out the amount, term and deposit that best suit your budget.

    Car finance calculator


    Lower monthly payments

    With PCP, you get affordable monthly payments. This is because a big part of what you repay is  deferred into an optional final lump sum, which keeps your monthly costs low. In fact, your monthly payments are lower than if you borrowed the same amount at the same rate over the same term through Hire Purchase (HP) or a Personal Loan. However, remember, you may end up paying more overall.


    Important Information

    • Halifax Car Plan Extra is available to Halifax current account customers of more than three months who are registered for Online Banking
    • You are 18 and over and a UK resident.
    • We pay the car dealer directly and the majority of UK dealers are covered.
    • Rates available will depend on product, lending amount and personal circumstances.
    • Lending is subject to status and additional affordability checks.

    Other options

    Not sure PCP is right for you? Then why not check out our other options to finance your next car, like Hire Purchase (HP) or a Personal Loan.

    Compare loans and finance


    Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.