Personal Contract Hire (PCH)

HELP YOU BUY YOUR DREAM CAR

WHAT IS PERSONAL CONTRACT HIRE?

You first choose your new Suzuki car, pay an initial rental in advance, followed by fixed monthly rentals to suit your budget. You can even choose an optional maintenance package as part of your agreement which can help take away the hassle of keeping your vehicle in good condition. When your agreement comes to an end you must return the vehicle to us as there is no ownership option.

Not sure if PCH is right? Here’s how it works.

HOW PERSONAL CONTRACT HIRE WORKS

Personal Contract Hire works by choosing from an initial rental payment in advance of 1-12 months, you then set the contract term between 2-5 years.

You then decide your annual mileage limit – the minimum is 5,000 and the maximum varies by vehicle. If your circumstances change during your agreement you may be able to amend your contracted mileage. You can also then decide whether to add an optional maintenance package at an additional cost.

At the end of the contract you must return the car and you’ll have nothing more to pay if the vehicle condition is in line with BVRLA guidelines and hasn’t exceeded the maximum agreed annual mileage.

If the vehicle doesn’t meet the mileage and condition terms, then excess charges will apply.

Is Personal Contract Hire right for you?

Choosing the right finance agreement that’s suitable for you can be quite difficult to understand, so we’re here to make it easy for you.

The benefits of personal contract hire include:

Hassle free motoring - road tax is included and no disposal worries
Flexible initial rentals – choose between 1-12 months advanced payment which will help you set monthly rentals to suit your budget.
The higher initial rental in advance you pay the lower the remaining monthly rentals will be
Fixed monthly payments to suit your budget
You can terminate the contract early by paying 50% of the remaining rental cost and any other charges incurred
Optional vehicle maintenance packages to make sure your car stays in good condition

Other considerations

CHOOSING SUZUKI PERSONAL CONTRACT PURCHASE

FOR YOUR BUSINESS

Looking for a flexible way to drive a brand-new Suzuki without the commitment of ownership? With Personal Contract Hire, you can enjoy the latest models, fixed monthly rentals, and the freedom to change your car when your agreement ends. Whether you need a nimble city car or a capable SUV for longer trips, there’s a Suzuki that fits your lifestyle and your business needs. Every Suzuki is designed for driving enjoyment, comfort, and practicality - so every journey feels just right.

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Suzuki Company Cars

HOW TO GET STARTED WITH SUZUKI

PERSONAL CONTRACT HIRE

At Suzuki, we don’t just offer you an excellent range of characterful cars, we also pride ourselves on our customer service - so you can feel sure you’ll get the support that you need from our team right from the start line.

The first step is to take a look at our range. We offer a wide variety of cars, from the fun and sporty Swift, to the S-Cross with its 4WD technology. All our models are also available with hybrid, meaning greater fuel efficiency and lower emissions.

Once you’ve found the right model and grade to suit your needs, head over to our contract hire calculator to find the right personal contract hire agreement. Once you’ve found a contract which works, you can send this on to your local dealer and arrange a time for them to give you a call so that you can ask any questions and get the ball rolling. Please bear in mind that this is just a quote - a firm contract offer will require an application which is subject to your credit status.

Finance Calculator

A BREAKDOWN OF OUR PRODUCTS

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	Hire Purchase	Personal Contract Purchase (PCP)	Personal Contract Hire
Deposit Required	Yes. Flexible. 0% may be available.	Yes. Flexible. 0% may be available.	Yes. 1 - 12 months initial rental.
Length of Agreement	From 1 -5 years	From 2 - 4 years	From 2 - 5 years
Fixed Payments	Yes	Yes	Yes
Final lump sum repayment at agreement end	N/A	Yes	N/A
Maximum permitted age of car at agreement end	Typically 14 years	Typically 7 years	Typically 5 years
Ownership at agreement end	Yes	Yes. If you pay the final lump sum payment.	No ownership option available. You must arrange to return the vehicle.
Goods return option	N/A	Yes. Return conditions apply.	No ownership option available. You must arrange to return the vehicle.
Excess mileage charges	N/A	Yes. If exercise goods return option and exceed mileage allowance.	Yes. If contracted mileage allowance exceeded.
Part exchange NB. Subject to settling outstanding finance. New agreements subject to status.	Yes	Yes	N/A
Voluntary termination rights NB. Regulated agreements only	Yes	Yes	N/A
Fully comprehensive insurance required	Yes	Yes	Yes
Ability to amend monthly payment due date NB. Subject to loss of interest charge.	Yes. Once every 12 months.	Yes. Once over the lifetime of the agreement.	Yes. Subject to conditions.

*Hire Purchase, PCP and Personal Contract Hire are subject to status and only available to UK residents aged 18 and over. Credit products are provided by Suzuki Finance, a trading style of Suzuki Financial Services Ltd, St. William House, Tresillian Terrace, Cardiff, CF10 5BH. Personal Contract Hire is provided by Lex Autolease Limited trading as Suzuki Contract Hire, PO Box 3982, Chester, CH1 9XD.

**Under our PCP product, you have the option at the end of the agreement to return the vehicle and not pay the deferred optional Final Payment. Providing the vehicle is in good condition and has not exceeded the maximum agreed mileage you will have nothing further to pay. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply. Further information on what is considered good condition can be found at here.

Terms and Conditions

Hire Purchase (HP)

Finance is available to UK residents aged 18 years or over, subject to status. Suzuki Finance is a trading style of Suzuki Financial Services Limited, part of Lloyds Banking Group, St. William House, Tresillian Terrace, Cardiff, CF10 5BH.

Personal Contract Hire (PCH)

Personal Contract Hire is provided subject to status by Suzuki Personal Contract Hire, which is a trading style of Lex Autolease Limited. Registered office: PO Box 3982, Chester, CH1 9XD. Applicants must be over 18 and a UK resident. Ownership of the vehicle remains with Lex Autolease Limited and the vehicle must be handed back at the end of the term. Return and mileage conditions apply.

Personal Contract Purchase (PCP)

Credit is available to UK residents aged 18 years or over, subject to status. If finance is needed when making a part exchange, you will need to enter into a new agreement (subject to status). Under the goods return option, you will have to make additional payments if the car is not in good condition for its age and mileage, or if the car has exceeded its allowed mileage. Suzuki Finance is a trading style of Suzuki Financial Services Limited, part of Lloyds Banking Group, St. William House, Tresillian Terrace, Cardiff, CF10 5BH.

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FINANCE JOURNEY?

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