1. Personal Finance
  2. Personal Contract Purchase
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Personal Contract Purchase (PCP)

Peace of mind comes as standard with Personal Contract Purchase, also known as AccessToyota. This popular plan is flexible and designed to get you into the car you want, at a price you can afford and provides you with the option to change your car on a regular basis. We also offer AccessFlex, a 3 month payment break option which is included for 0% APR AccessToyota offers.

Benefits of Personal Contract Purchase


Low monthly payments

Fixed monthly payments are made affordable by a flexible deposit & guaranteed future value.

Peace of mind

A guaranteed future value means you know how much your car will be worth at the end of the agreement, subject to fair wear and tear, and mileage conditions being met.

End of contract options

At the end of your agreement you choose the option to best suit you: keep, upgrade or return.

How Personal Contract Purchase works

Choose your vehicle

Select the right Toyota vehicle for you. Choose your deposit from 0-35% of the vehicle's value.

Set your terms

Select a term up to a maximum of 42 months to make your payments fit your budget and then decide on how many miles you expect to drive a year.

When you reach the end of your contract, decide what to do next

Keep the vehicle

If you want to keep the car, simply pay the guaranteed future value and the option to purchase fee (if applicable) and we will transfer the legal title to you so it’s yours to own. If you want to spread the guaranteed future value payment over a term to suit you, speak to our dedicated Customer Solutions team.*

* Subject to terms and conditions. Interest is charged on refinanced agreements.

Upgrade the vehicle

Part exchange your car and drive away in a brand new Toyota. If the trade in value is more than the guaranteed future value, you can put the equity towards your next car.

Return the vehicle

Hand the car back to us with nothing more to pay, subject to maximum mileage, and fair wear and tear conditions being met.

See what offers are available now

View offers

Toyota AccessFlex is available with our 0% APR offers

Current Toyota AccessFlex customers

With Toyota AccessFlex you can request to defer up to 3 of your monthly payments during your agreement. 

This can be requested a month at a time, or over 3 consecutive months, extending your agreement by the number of months you defer.

You can request a payment break if:

  • You have made the first 3 monthly payments due under your agreement and you are not in the last month of your agreement
  • You are not currently in arrears of your agreement nor experiencing financial difficulties
  • There are more than 5 working days to your next Direct Debit payment and you haven’t already used all 3 months of your payment break allowance


You will have an agreed maximum total mileage at the beginning of your Toyota AccessFlex agreement.
For each month you defer a payment, your agreement term will be extended by one month. Your maximum total mileage will increase pro-rata with this extension.
We will notify you of your new mileage allowance when we approve your deferral request.
If you exceed the agreed mileage and choose to return the vehicle to us, then an excess mileage charge will be payable. This will be calculated according to the charges outlined in your agreement.

Finance FAQs

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*By taking a Toyota AccessFlex monthly payment break, you defer that monthly payment until the end of your agreement. You can defer up to 3 monthly payments (but not the final repayment), either consecutively or on 3 separate occasions during your agreement. The term of your agreement will be extended by one month in respect of each monthly payment deferred, up to a total possible extension of 3 months. Payment breaks cannot be taken to assist with financial difficulties, in respect of the first 3 monthly payments due under the agreement, within the 5 working days before the payment due date, or if any sums due under the agreement are unpaid. The vehicle may be used during any deferred monthly break period. No associated fees charged and monthly payment remains the same.