Personal Finance

Compare the personal finance options available for a new CUPRA.

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Compare personal finance options

Solutions Personal Contract Plan (PCP)

A flexible finance plan, giving you the option to own, return, trade in or refinance your vehicle at the end of your agreement.

Deposit

Flexible depending on vehicle and promotion

Monthly payment

Fixed

Duration

Between 18 and 49 months

Mileage restrictions

Choose between 5,000 – 30,000 - excess charges apply for exceeding mileage allowance

End of Contract

At the end of your agreement you can choose to pay a one-off option to purchase fee of £10 and the Optional Final Payment values to take full ownership, trade in your car for a new CUPRA, return it to your CUPRA Retailer or refinance the outstanding amount. Any outstanding fees, like excess mileage or damage charges, must be settled.

Personal Contract Hire (PCH)

A leasing agreement, enabling you to drive a CUPRA without needing to own it. You simply rent the vehicle for a flexible monthly rental payment.

INITIAL RENTAL

Can be as little as one month’s rental

Monthly payment

Fixed

Duration

Between 12 and 48 months

Mileage Restriction

Choose between 5,000 - 60,000 - excess charges apply for exceeding mileage allowance

End of Contract

After all rentals have been paid, simply hand it back to us. This is subject to being within BVRLA wear and tear guidelines and if there is any excess mileage, then charges will apply.

Hire purchase (HP)


A simple and straightforward finance plan, with no mileage restrictions and the option to own or part exchange your vehicle at the end of your agreement.

Deposit

Flexible depending on vehicle and promotion

Monthly payment

Fixed

Duration

Between 12 and 60 months

Mileage restrictions

None

End of Contract

At the end of your agreement you can choose to pay a one-off option to purchase fee of £10 and become the proud owner, or part exchange CUPRA for another.

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Why Choose Financial Services?

Our personal finance options are designed for convenience, so you can enjoy your CUPRA. Financing is the most popular way to buy a new car in the U.K. Our personal finance options give you the flexibility to choose a finance solution that is right for you.

It's important to understand these options before committing. Our CUPRA Specialists can help explain them to you.

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Check Out Our Latest Offers

Find the latest deals on financing and leasing your CUPRA, including electric and hybrid models.

Solutions Personal Contract Plan (PCP) FAQs

How does Solutions PCP work?

A Solutions PCP agreement typically consists of 3 parts: the deposit, monthly repayments, and an optional final payment. Your deposit is completely up to you, and you can use your current car in Part Exchange if you wish.

Do I need to put a deposit down on a Solutions Personal Contract Plan?

Deposit amounts vary depending on the vehicle and the finance promotion at the time. Usually there is a deposit required however there may be promotions at times which do not require one. Speak to your local Retailer to see what promotions are currently available. Also remember that your current vehicle may be able to be used towards your deposit.

How long does a Solutions Personal Contract Plan last?

Typically you can select a length suitable to you. They usually can be as little as 18 months long and as long as 49 months.

Is there an annual mileage limit?

Yes, when starting on the plan you'll set your annual mileage allowance which then is worked out pro-rata as a mileage allowance for the duration of the contract. If you go over this you may be liable for an excess mileage charge, which is typically charged per mile for the mileage over the allowance.

Can I keep the CUPRA vehicle at the end of my Solutions Personal Contract Purchase?

At the end of the contract you have several options. You can hand the car back (subject to any fees or charges), trade it in for a new model, or pay the option to purchase fee and optional final payment to take full ownership of it.

Can I test drive the CUPRA vehicle first?

Yes, of course. You can request a test drive at your nearest Retailer.

Personal Contract Hire FAQs

Do I have to make a final payment at the end of my contract hire agreement?

No, at the end of the agreement you will return the vehicle back without any optional final payment. Fair wear and tear is included however any damage in addition to this will need to be paid for at the end of the agreement.

Can I terminate the leasing agreement early?

It may be possible to terminate your agreement early however this will depend on your individual contract. You can speak to your local Retailer or SEAT Financial Serivces to find out the options availabe to you.

Can I test drive the CUPRA vehicle first?

Yes, of course. You can request a test drive at your nearest Retailer.

Can I freely configure my CUPRA when leasing?

Yes, you can configure your dream CUPRA online.

How long do I have to wait for my leased vehicle?

You can either choose from a large selection of new cars that are immediately available, or you can configure your vehicle to meet your needs.

What does the service include?

With every lease you will get access to roadside assistance as well as Ensurance from Volkswagen Financial Services which helps you in the event of an accident. You can also opt for servicing and maintenance to be included as part of your leasing agreement for an additional fee.

Do I have to insure my leased CUPRA myself?

Even with a leased vehicle, you have a free choice of insurance for your vehicle.

Hire Purchase FAQs

Who owns the car?

With the Hire Purchase financing option, you become the owner of the vehicle when you have paid all fixed monthly instalments over the agreed contract period and a one-off option to purchase fee of £10.

How do I find out my monthly instalment for my dream car?

Talk to a Retailer today to find your perfect CUPRA and they will then be able to provide you with the relevant finance calculations. 

Can I trade in my current car for the deposit?

As a general rule, you can trade in your current vehicle to pay for part of the financing of your new vehicle, such as the deposit at the beginning of the contract period. Your CUPRA Retailer can even assist with settling any existing finance amount on your part exchance vehicle. 

What options do I have with Hire Purchase?

Enjoy the CUPRA experience with fixed monthly payment and at the end of your agreement you can pay a one-off option to purchase fee of £10 to own your CUPRA, or part exchange it for another.

Can I test drive the CUPRA vehicle first?

Yes, of course. You can request a test drive at your nearest Retailer.