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Personal car leasing, also commonly known as Personal Contract Hire (PCH) or Private Car Leasing, is a long term rental agreement, so you won’t be purchasing the car, you simply return it at the end of the lease term. It is the most affordable, convenient and hassle-free way to drive a brand new car. Choose which car you want, how long you want it for (2, 3 or 4 years), what payment you can afford upfront (normally 1, 3, 6, 9 or 12 months initial payment) and how many miles you think you will drive. Then find fixed monthly payments that suit your budget. At AutoLease.Compare, we bring you the best deals on the market from the UK’s top leasing providers.
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Personal car leasing, also known as personal contract hire (PCH), is a type of vehicle financing arrangement that allows individuals to use a car for a fixed period without the responsibility of ownership. In a personal car lease, the individual pays a monthly fee for the use of the vehicle, typically over a contract duration ranging from two to four years. The monthly payments cover the vehicle's depreciation, and at the end of the lease term, the individual returns the car. This arrangement offers several advantages, including lower upfront costs compared to buying a new car, the ability to drive a new vehicle every few years, and the avoidance of the potential depreciation risks associated with vehicle ownership. However, individuals must adhere to mileage limits specified in the lease agreement, and there may be additional charges for excess wear and tear on the vehicle. Overall, personal car leasing provides a flexible and cost-effective way for individuals to enjoy the benefits of driving a new car without the long-term commitment of ownership.
Personal car leasing offers a vast number of benefits in comparison to buying a vehicle outright.
Enjoy a brand-new car at a fraction of the cost.
Free delivery straight to your door; long-gone are the days of hunting round showrooms and vehicle transportation fees!
No MOT due for the first three years.
Manufacturer’s warranty included; benefit from significantly reduced repair costs.
The great thing about car leasing is that you don’t need a lump sum of cash to get behind the wheel of a brand new vehicle. You just need at least one month’s worth of the regular lease payments to pay upfront for the car. After this, you pay a fixed monthly fee which you can afford each for the remainder of the (contract 2 – 4 years). When buying a car, it usually takes months or even years to save up before you can meet the purchase price (or you will need a large deposit if you are buying on finance (PCP)). Once you have it, you’ll have to pay for any unexpected repair costs if it’s out of warranty and factor in how much cash you would lose in depreciation when it comes to selling the car in the future. A lot of the time this can work out more expensive than if you were to lease the same car and only pay for the time and mileage that you use it for.
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