Toyota Personal Finance

Looking to get a car on finance? We offer a range of finance options for new cars and vans, as well as approved used cars.

Toyota’s Personal Finance options allow you to make monthly payments over a flexible period of time. The options include:

Personal Finance Frequently Asked Questions

Find out how different finance types compare by taking a look at our frequently asked questions with getting a car on finance.

Personal Contract Purchase (PCP)

0 to 35%.
Hire Purchase (HP)

0 to 95%.
Personal Contract Hire (PCH)

From 1-9 months rentals.

Personal Contract Purchase (PCP)

Choose term from 24 to 42 months*

*Maximum terms vary according to vehicle model
Hire Purchase (HP)

Choose term from 24 to 60 months*

*Maximum terms vary according to vehicle model
Personal Contract Hire (PCH)

Choose term from 24 to 48 months*

*Maximum terms vary according to vehicle model

Personal Contract Purchase (PCP)

You can upgrade the car, return the car, or pay the Guaranteed Future Value (GFV) to own the car**

** Keep - pay the GFV and own your car;

Return - Hand the car back

Upgrade - Part exchange the car for a new car
Hire Purchase (HP)

You can own the car.
Personal Contract Hire (PCH)

You will not own the car and must return it.

Personal Contract Purchase (PCP)

Yes. You decide your annual mileage at the start of your finance agreement.
Hire Purchase (HP)

No.
Personal Contract Hire (PCH)

Yes. You decide your annual mileage at the start of your finance agreement.

Personal Contract Purchase (PCP)

No.
Hire Purchase (HP)

No.
Personal Contract Hire (PCH)

No.

Personal Contract Purchase (PCP)

Yes.
Hire Purchase (HP)

Yes.
Personal Contract Hire (PCH)

Yes.

Personal Contract Purchase (PCP)

Yes, but only if you want to keep the car.
Hire Purchase (HP)

No.
Personal Contract Hire (PCH)

No.

Personal Contract Purchase (PCP)

No.
Hire Purchase (HP)

No.
Personal Contract Hire (PCH)

Yes.

Personal Contract Purchase (PCP)

Yes.
Hire Purchase (HP)

Yes.
Personal Contract Hire (PCH)

Yes.

Personal Contract Purchase (PCP)

Yes. Ownership will pass to you once all of your monthly payments and the final payment (also known as the Guaranteed Future Value) have been paid, or if you settle all applicable payments earlier.
Hire Purchase (HP)

Yes. Ownership passes once all the monthly payments have been paid, or if you settle all applicable payments earlier.
Personal Contract Hire (PCH)

No. The car remains the property of KINTO UK Limited.

Personal Contract Purchase (PCP)

The Guaranteed Future Value (GFV) is the final payment which is secured by the value of the car. If the car is worth less than the GFV, you can choose to return it to the finance company with nothing further to pay, subject to terms and conditions. If the car is worth more than the GFV you get the equity.
Hire Purchase (HP)

Once all payments under your finance agreement are made, ownership automatically passes to you, so any depreciation risk is yours.
Personal Contract Hire (PCH)

Because you do not own the car, the depreciation risk is taken by KINTO UK Limited.

Personal Contract Purchase (PCP)

If you decide to part exchange, you will need to settle your finance agreement, you can do this at any time. For regulated finance agreements, an early settlement amount is calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Hire Purchase (HP)

If you decide to part exchange, you will need to settle your finance agreement, you can do this at any time. For regulated finance agreements, an early settlement amount is calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Personal Contract Hire (PCH)

Your finance agreement is designed to run for the full term.

Personal Contract Purchase (PCP)

Your finance agreement will state that the car must be maintained in line with the manufacturer’s guidelines.
Hire Purchase (HP)

Your finance agreement will state that the car must be maintained in line with the manufacturer’s guidelines.
Personal Contract Hire (PCH)

A condition of your finance agreement is that the car must be maintained in line with the manufacturer’s guidelines. You can add the cost of maintenance into the monthly rental.