Personal Contract Hire (PCH) Car Finance
Lease Your New Car From Eastbourne Motoring Centre
Drive the Latest Cars Without the Lengthy Commitment
Personal Contract Hire (PCH) offers drivers the ultimate hassle-free driving experience. Enjoy a brand-new car with low monthly payments, comprehensive warranties, and the freedom to drive something different every few years. At Eastbourne Motoring Centre, we make premium motoring accessible and affordable for everyone.
This option is ideal for drivers who love having the latest technology, safety features, and style - all while enjoying predictable monthly costs and minimal responsibility for maintenance or depreciation.
How Does Personal Contract Hire Work?
Personal Contract Hire is a long-term car rental agreement that gives you access to a brand-new vehicle for a fixed monthly payment. At the end of your contract, simply return the car and choose your next one. No ownership complications, no depreciation worries - just pure driving enjoyment.
The PCH Process - What to Expect:
1. Choose Your New Car Â
Browse the latest models from leading manufacturers at EMC - including Fiat, Suzuki, Vauxhall, and Leapmotor models.Â
2. Customise Your Agreement Â
- Select the contract length (typically 24 to 48 months)
- Set your annual mileage allowance
- Choose your initial rental deposit amount
- Add an optional maintenance package
3. Enjoy Worry-Free Motoring Â
Drive your new car with a comprehensive manufacturer's warranty and optional maintenance coverage, designed to take the hassle out of arranging servicing or repairs.
4. Return and Renew Â
At the end of the contract, simply return your car and choose your next new model - and look forward to always driving something current and exciting.
The Benefits of PCH Car Finance
- Drive the Latest Models - Always have access to current technology and safety features
- Low Monthly Payments - Often lower than PCP contracts, as you're not building equity
- No Depreciation Worry - Hand the car back regardless of market value changes
- Comprehensive Warranty - Full manufacturer coverage throughout your contract
- Predictable Costs - Fixed monthly payments help with budgeting
- No MOT Hassle - Most contracts end before the first MOT is due
- Optional Maintenance - Include servicing and repairs in your monthly payment
- Upgrade Regularly - Drive a different car every few years
Who is PCH Perfect For?
Drivers Who:
- Want to drive the latest cars
- Prefer predictable monthly costs
- Don't want ownership responsibilities
- Like to change cars regularly
- Value warranty coverage and reliability
End-of-Contract Process
6 Weeks Before Contract End: Â
We'll contact you to arrange a vehicle inspection and discuss your next car options.
Vehicle Inspection:Â Â
Professional assessment of the vehicle’s condition, checking for any excess wear or damage.
Return Process: Â
Simple handover at our Eastbourne or Uckfield locations, or arrange a collection service through us.
Next Steps:Â Â
Choose your next PCH vehicle or explore other finance options - we'll guide you through every option.
Get Your PCH Quote Today
Are you ready to experience hassle-free premium motoring? Our Eastbourne and Uckfield branches are here to help!
The quickest way to get in touch with us is by clicking on the live chat button at the bottom of your screen. Alternatively, you can fill out the finance enquiry form at the foot of this page, or simply give us a call.Â
Our experienced EMC team is here Monday to Saturday* to help you find the ideal car finance solution. Whether it’s your first lease car or you’re looking to upgrade to a new vehicle, we'll guide you through every step of the Personal Contract Hire process.
*We’re also open on Sundays by appointment only - get in touch to find out more.Â
EMC Group is proud to serve customers across East and West Sussex, and beyond - including Eastbourne, Uckfield, Hailsham, Lewes, Brighton, Hove, Seaford, and Hastings.Â
FAQs
- What's included in my monthly PCH payment?
Your monthly payment covers the vehicle rental, road tax, and manufacturer's warranty. Optional extras like maintenance packages, insurance, or extended warranties can be added for an additional monthly cost.
The payment does not include fuel, insurance (unless specifically included), or maintenance (unless you choose a maintenance package). We'll clearly explain exactly what's included in your specific agreement.
- Can I end my PCH contract early?
Early termination of a Personal Contract Hire agreement is possible, but typically involves significant costs as you're committed to the full contract length. However, we understand that circumstances can change, so we are here to help.
Options may include transferring the contract to someone else, voluntary termination (with associated costs), or finding ways to make the agreement work differently. Contact us to discuss your specific situation.
- What happens if I exceed my PCH mileage allowance?
Excess mileage charges apply, typically ranging from 5p to 25p per mile depending on the vehicle. These charges are assessed when you return the car. It's important to estimate your mileage realistically when setting up the Personal Contract Hire agreement. If you expect to exceed your allowance, contact us - we may be able to purchase additional miles at a better rate than excess charges.
- Can I modify or personalise my PCH car?
As you don't own the car, permanent modifications aren't allowed as they could affect the vehicle's value. However, you can add removable accessories like phone mounts, seat covers, or mats. Any modifications must be removable without damage, and the car must be returned to its original specification. Always check with us before making any changes.
- Do I need special insurance for a PCH car?
You need fully comprehensive motor insurance just like any other car. The finance company should be listed as the interested party. You'll need to maintain insurance throughout the contract period. Some PCH deals include insurance, but this is typically more expensive than arranging your own.
- Can I buy the car at the end of my PCH contract?
Unlike Personal Contract Purchase (PCP) agreements, Personal Contract Hire is a pure rental agreement with no purchase option at the end. You simply return the car. If you think you might want to own your next car, PCP might be more suitable as it includes a final purchase option. We can explain the differences and help you choose the right finance product for your needs.
- What credit score do I need for PCH?
Personal Contract Hire requires a good credit score, as you're essentially getting a significant loan for a depreciating asset with no ownership option. If your credit isn't perfect, we can explore specialist lenders or alternative finance options like PCP or HP. A guarantor may also help improve your application.
- When does my warranty coverage end?
Manufacturer warranty typically lasts 3 years or until a specific mileage limit (this varies by manufacturer). Most PCH contracts are designed to end before warranty expiry, ensuring you're covered throughout your agreement.
If your contract extends beyond warranty, we can discuss extended warranty options. Maintenance packages often include coverage beyond the manufacturer's warranty, too.