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Free basic breakdown offer hanging from rear view mirror

PCP Deals On Used Cars

We have 7,852 cars for sale that are available on a PCP finance plan. All cars come with 12 months free breakdown cover (or a discounted upgrade if you're an AA member) and £75 off your next service & MOT.

Finance representative example (PCP)

Total cash price £19,000. Borrowing £19,000 with a £0 deposit.

48 monthly payments
£359.86
Annual Interest Rate (fixed)
11.9%
Representative APR
11.9%
Total amount payable
£25,423.28
Cost of credit
£6,423.28
Optional final payment*
£8,150.00
Purchase fee (included)
£10.00
* Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement. AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.
View 7,852 vehicles

Latest PCP Finance Deals

  • Hyundai Tucson 1.6 Tucson Ultimate TGDi HEV Auto 5dr

    From £412 p/m

    £22,500
    Hyundai TUCSON 1.6 Tucson Ultimate TGDi HEV Auto 5dr
    • 2022
    • •
    • 22,000 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Keecars

    Icon - location pin London

    More details >
  • Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr

    From £222 p/m

    £11,990
    Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr
    • 2022
    • •
    • 34,428 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr

    From £217 p/m

    £12,190
    Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr
    • 2023
    • •
    • 11,644 miles
    • •
    • Petrol
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr

    From £241 p/m

    £12,690
    Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr
    • 2022
    • •
    • 39,944 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Nissan Qashqai 1.3 DIG-T MHEV Acenta Premium XTRON Euro 6 (s/s) 5dr

    From £266 p/m

    £14,490
    Nissan Qashqai 1.3 DIG-T MHEV Acenta Premium XTRON Euro 6 (s/s) 5dr
    • 2022
    • •
    • 43,634 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr

    From £259 p/m

    £14,490
    Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr
    • 2024
    • •
    • 10,846 miles
    • •
    • Petrol
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
View 7,852 vehicles
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Want extra reassurance before buying?

Consider a pre-purchase vehicle inspection. An independent AA mechanic will check for any issues, helping you avoid costly surprises.

Book a vehicle inspection
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Selling made easy with a free instant valuation

Enter your reg number below to get a valuation estimate from our trusted partner Motorway.

Please note: If you tap 'Get a valuation' you will be taken directly to the Motorway website.

Why buy PCP through The AA

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Online eligibility in minutes

Check your eligibility online in minutes, without impacting your credit score

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Find the right finance for you

We compare more than 30 lenders for you, so you could get a better price and chance of getting accepted.

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Expert support

Dedicated UK-based account manager, to guide you through every step of the journey.

Manufacturer Approved cars available on PCP

Vehicles inspected by the dealer to ensure they meet the manufacturer's standards
  • Fiat 500 1.0 Mild Hybrid 3dr

    From £169 p/m

    £8,800
    Fiat 500 1.0 Mild Hybrid 3dr
    • 2023
    • •
    • 35,387 miles
    • •
    • Petrol
    • •
    • Manual
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • MG ZS 115kW Trophy EV Long Range 73kWh 5dr Auto

    From £242 p/m

    £12,850
    MG ZS 115kW Trophy EV Long Range 73kWh 5dr Auto
    • 2022
    • •
    • 57,912 miles
    • •
    • Electric
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • MG ZS 1.0T GDi Excite 5dr DCT

    From £260 p/m

    £14,000
    MG ZS 1.0T GDi Excite 5dr DCT
    • 2023
    • •
    • 16,230 miles
    • •
    • Petrol
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • MG ZS 1.0T GDi Exclusive 5dr DCT

    From £261 p/m

    £14,850
    MG ZS 1.0T GDi Exclusive 5dr DCT
    • 2024
    • •
    • 22,929 miles
    • •
    • Petrol
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • Mazda 2 1.5 Skyactiv G GT Sport 5dr Auto

    From £306 p/m

    £15,750
    Mazda 2 1.5 Skyactiv G GT Sport 5dr Auto
    • 2023
    • •
    • 18,389 miles
    • •
    • Petrol
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
  • MG ZS 1.5 Hybrid+ SE 5dr Auto

    From £293 p/m

    £16,600
    MG ZS 1.5 Hybrid+ SE 5dr Auto
    • 2025
    • •
    • 12,009 miles
    • •
    • Hybrid
    • •
    • Automatic
    Invicta MG/Mazda Croydon

    Icon - location pin Croydon

    More details >
View 1,697 approved

Browse PCP Offers By Make

  • Vauxhall
  • Volkswagen
  • MG
  • Nissan
  • Ford
  • Toyota

Automatic Car PCP Offers

  • Awaiting images for this vehicle

    From £412 p/m

    £22,500
    Hyundai TUCSON 1.6 Tucson Ultimate TGDi HEV Auto 5dr
    • 2022
    • •
    • 22,000 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Keecars

    Icon - location pin London

    More details >
  • Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr

    From £222 p/m

    £11,990
    Ford Fiesta 1.0T EcoBoost MHEV Titanium DCT Euro 6 (s/s) 5dr
    • 2022
    • •
    • 34,428 miles
    • •
    • Petrol Hybrid
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr

    From £217 p/m

    £12,190
    Vauxhall Corsa 1.2 Turbo GS Auto Euro 6 (s/s) 5dr
    • 2023
    • •
    • 11,644 miles
    • •
    • Petrol
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
View 4,445 automatic

Used Electric PCP Offers

  • Toyota bZ4X 71.4kWh Pure Auto 5dr (11kW OBC)
    Toyota bZ4X 71.4kWh Pure Auto 5dr (11kW OBC)
    Toyota bZ4X 71.4kWh Pure Auto 5dr (11kW OBC)

    From £311 p/m

    £17,390
    Toyota bZ4X 71.4kWh Pure Auto 5dr (11kW OBC)
    • 2022
    • •
    • 40,919 miles
    • •
    • Electric
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Awaiting images for this vehicle

    From £367 p/m

    £20,690
    BYD Atto 3 60.48kWh Comfort Auto 5dr
    • 2025
    • •
    • 7,291 miles
    • •
    • Electric
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
  • Awaiting images for this vehicle

    From £352 p/m

    £21,990
    Mercedes-Benz EQB EQB 300 66.5kWh AMG Line (Premium) Auto 4MATIC 5dr
    • 2022
    • •
    • 16,183 miles
    • •
    • Electric
    • •
    • Automatic
    Lennox Auto Ltd

    Icon - location pin London

    More details >
View 1,297 electric

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

  • What does PCP stand for?

    PCP stands for Personal Contract Purchase. Which is because you have the option to purchase the vehicle at a pre-agreed guaranteed future value at the end of the agreement.

  • Can you get PCP on a used car?

    Yes, PCP deals are available on both new and used cars, as long as they meet the criteria set out by the finance provider. To increase the chances of a PCP agreement being accepted on a vehicle, it is best to choose a car that is less than 4 years old and has low mileage at the start of the agreement.

  • Is PCP a good idea?

    PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car. PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

  • Do I need a deposit for a PCP deal?

    No. However, having a deposit will reduce the amount you need to borrow and could result in you receiving a lower APR on your PCP agreement.

  • What is a balloon payment?

    A balloon payment is another name for the guaranteed future value of a vehicle or the pre-agreed final payment made at the end of your PCP agreement, should you choose to purchase the car.

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