en:Buying Guide:Finance Choices:Solutions Personal Contract Plan (PCP) GB/EN

Solutions Personal Contract Plan (PCP)

 

PCP Finance Option

 

If you want to keep your monthly payments low and enjoy the thrill of a new car more often, a Solutions Personal Contract Plan (PCP Finance) may be just the thing for you.

 

 

What benefits does Solutions offer me?

  • Solutions (PCP) is ideal for customers who like the idea of changing their vehicles regularly, reducing the potential period of repayments, or simply want to leave their options open for a period of time
  • By deferring an agreed amount to the end of your agreement you can potentially: change your vehicle more often to suit your needs, and stay within the warranty period; upgrade to get a higher specification model; reduce your monthly payments
  • A Solutions agreement can protect you from unforeseen depreciation of the vehicle’s value
  • Deposits can be as little as one monthly payment
  • Solutions is a flexible product, giving you three options for the end of your contract. This decision doesn’t need to be made until the end of the agreement

Once you have chosen your SEAT and decided on your deposit, you need to make three decisions that will affect the monthly repayments:

  • Your repayment period
    Choose between 18 and 49 months
  • Mileage per year
    Choose how many miles you expect to drive each year
  • Optional Final Payment
    Defer an agreed amount until the end of your agreement, you will then have to choose from one of three options

What happens at the end of my agreement?

At the end of your agreement you have three options:

  1. Exchange the vehicle for a new SEAT.  The agreement will be settled and any excess sales proceeds can contribute to your new agreement (subject to application and acceptance). 
  2. Pay the option to purchase fee and the optional final payment, then take full ownership of the vehicle
  3. Simply return the vehicle to SEAT (fees may be payable)

We have competitive offers for every model in the SEAT range, why not visit our offers section to find out more?

Calculate the best finance option

Not sure which is the best for you and your budget? Use our finance calculator tool which can provide you with a quotation to meet your monthly budget. You can change the:

  • Deposit amount
  • Length of your agreement
  • Anticipated maximum mileage

Save the quote if you would like to discuss with a SEAT Retailer.

Good to know

You can choose to drive a higher-spec car for the same monthly budget that you were planning to spend, when compared with hire purchase:

  • Drive a new car more often thanks to shorter replacement cycles
  • Choose whether to buy the car at the end of the agreement
  • It takes away the worry about depreciation. A proportion of the value is left until the end of the agreement 

For more information or to get a quote, contact your local SEAT Retailer.

T&Cs apply. SEAT Financial Services.

PCP FAQs


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.

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.

You can choose an agreement length that suits you from a minimum of 18 months to as long as 49 months.

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.

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.

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

This would be paid at the end of the agreement if you decided to return the car, with the cost depending on the pence-per-mile rate agreed in your contract.

Yes, with a vehicle on a Personal Contract Plan, you can choose the insurance provider for your vehicle.

You can request a settlement quote. How far into your agreement you are will affect the amount left to pay.