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Personal Lease Cars

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Personal Lease

Personal Contract Hire (PCH) is based on a fixed term contract, where the customer pays an agreed monthly payment for the use of a vehicle for an agreed period of time.


  • Flexible initial payment
  • Fixed term contract
  • Fixed mileage contract
  • Fixed cost motoring
  • Flexible profiles to suit you
  • You only pay for the use of the vehicle
  • At the end of your contract simply hand the vehicle back
  • Option of including maintenance within the contract
  • No depreciation or disposal risk


  • Vehicle must be returned in a well maintained condition, or additional costs will be incurred
  • Early termination can be expensive
  • You must have fully comprehensive vehicle insurance
  • You will never own the vehicle

More Information on Personal Lease

It benefits customers wishing to eliminate the financial risk associated with disposing of a vehicle. Contracts are usually taken over two, three or four years, providing a high level of flexibility. Some contracts can be extended beyond the end of the contract date if required.

Mileage amendments can vary under each funder, so it is always better to be as accurate as you can be. If you do exceed the agreed allowance at the end of your contract you will pay an excess mileage charge. We will let you know the value of this as part of your quotation.

Personal Contract Hire is very similar to Business Contract Hire; both of them are based on a fixed annual mileage agreed when taking out your new agreement. Once you have stated how many miles you drive in a year and considered which vehicle you would like to lease, one of the Willow Leasing sales team can then obtain you a market leading quote.

If you are looking to have predictable motoring costs included in you quote please let one of the Willow Leasing sales team know. Maintenance is there to put your mind at rest should any challenges arise with your vehicle and normally covers servicing, routine maintenance, tyres, exhausts and batteries.

It is important that the vehicle is returned in accordance with the guidelines set out in the 'Fair Wear and Tear Guide', a copy of which is made available to customers when they are near the end of their PCH agreement.

Please note that it is responsibility of the person named on the finance agreement to arrange and pay for fully comprehensive insurance for the vehicle.

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