Personal Contract Purchase (PCP)

PCP keeps your monthly repayments low by deferring a significant proportion of the total amount of credit to the optional final repayment at the end of the agreement.

Once you have paid all of the regular monthly repayments you can either:

  • Pay the optional final repayment and own the car.
  • Part exchange the car for a new one (subject to settlement of your existing agreement, new agreements are subject to status), or
  • Return the car to Subaru Finance without paying the optional final repayment. Return conditions apply.

Personal Contract Purchase (PCP) Representative Finance Example

Agreement Duration 37 months
Annual Mileage 8000
Interest Rate (Fixed) 2.87%
Total Amount Payable £54,815.53
Optional Final Repayment (including £10 Purchase Fee) £16,806.00
Total Amount of Credit £35,339.47
Representative APR 2.9% APR
Total Deposit £17,165.53
Subaru Deposit Contribution £1,500.00
Customer Deposit £15,665.53
Cash Price £52,505.00
36 Monthly Repayments of £579.00
Excess Mileage (pence per mile) 8.0p

Terms & Conditions

Terms & Conditions

Representative Example based on 8,000 miles per annum.

Offers available until 30.09.2025. Stock subject to availability. Subaru reserves the right to amend or withdraw offers at any time without prior notice. Private customers only; not in conjunction with any other offers. Excludes Personal Contract Hire and Business Contract Hire. Available at participating dealers only.

*£1,500 Subaru Deposit Contribution (incl. VAT) available on a Solterra Limited or Touring. Minimum 20% deposit required.

†Credit is subject to status. Applicants must be 18+. We may receive a commission or other benefits for introducing you to International Motors Finance. This credit offer is available exclusively through Subaru Finance, provided by International Motors Finance Limited, St William House, Tresillian Terrace, Cardiff, CF10 5BH.

Crystal White Pearl special paint finish is provided at no extra cost across all models; however, other special paint finishes are available at an additional cost of £650.00-£1,045.00, which is not included in the finance example. The On The Road (OTR) price includes VAT, delivery charges, number plates, 12 months’ road fund licence, and the first registration fee. For a tailored quotation or further details, please contact your local authorised Subaru dealer.

With Personal Contract Purchase, once you have paid all of your regular monthly repayments you can either:

  1. Pay the Optional Final Repayment and own the car.
  2. Part exchange the car for a new one (subject to settlement of your existing agreement, new agreements are subject to status), or
  3. Return the car to Subaru Finance without paying the optional final repayment. Providing you’ve not exceeded the maximum permitted mileage and the car is in good condition (fair wear and tear accepted) you will have nothing further to pay. If the vehicle has exceeded the maximum permitted mileage then a charge of 8p on Limited and Touring inclusive of VAT @20% per excess mile will apply.

50/50 Finance (50-50)

This model is available on 0% APR for one year on our 50/50 Finance Offer.
One-year option: Pay 50% deposit; pay nothing for one year; then pay final 50% balance one year after the deposit is paid.
Or
Two-year option: Pay 50% deposit; pay nothing for two years; then pay final 50% balance two years after the deposit is paid.

50/50 Finance (50-50) Representative Finance Example

OTR Price (Inc Met Paint) £53,155.00
50% Deposit £26,577.50

Terms & Conditions

Terms & Conditions

50% deposit followed by the remaining 50% paid in one payment after 12 or 24 months. Credit available subject to status to UK residents aged 18 and over. This credit offer is only available through Subaru Finance provided by International Motors Finance Limited, St. William House, Tresillian Terrace, Cardiff CF10 5BH. We can introduce you to Subaru Finance and a limited number of lenders who may be able to provide funding for your vehicle. We may receive commission or other benefits for introducing you to these lenders. Offer available until 30.09.2025.

Personal Contract Hire (PCH)

PCH allows individuals to drive a new vehicle over an agreed period of time and mileage. This type of finance is suitable for people who don’t want to purchase the car at the end of the agreement. You simply pay an initial rental fee upfront and then fixed monthly payments, which are made over the agreed contract length. When the contract ends you return the vehicle. Return conditions apply.

Personal Contract Hire (PCH) Representative Finance Example

Initial Rental (incl. VAT) £5,625.00
Monthly Rental (incl. VAT) £625.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge 19.8p

Terms & Conditions

Terms & Conditions

Example Based on 8,000 miles per annum, non-maintained. Subject to status. UK residents 18+. Rental amounts shown are on the specific model stated. This offer excludes fleet and Members Affinity scheme sales, is only available through participating Subaru dealers and is not available in conjunction with any other offers unless specified. Crystal White Pearl special paint finish free of charge across all models. 
This offer is only available through Blackhorse Contract Hire a trading name of Lex Autolease. Registered office Heathside Park, Heathside Park Road, Stockport, SK3 0RB. Offers may be varied or withdrawn at any time. Offer ends 30.09.2025. Vehicle must be returned in a good condition to avoid further charges. You will not own the vehicle. If the vehicle has exceeded the maximum permitted mileage then a charge of 19.8p on Touring will apply.

Business Contract Hire (BCH)

BCH is a form of leasing most suitable for business owners, sole traders, partnerships and limited companies. You simply pay an initial rental fee upfront and then fixed monthly payments, which are made over the agreed contract length. When the contract ends you return the vehicle. Return conditions apply.

Business Contract Hire (BCH) Representative Finance Example

Initial Rental (+ VAT) £4,851.00
Monthly Rental (+ VAT) £539.00
Duration of Agreement 48 months
Annual Mileage 8,000
Excess Mileage Charge (+ VAT) 16.5p

Terms & Conditions

Terms & Conditions

Example Based on 8,000 miles per annum, non-maintained. Subject to status. UK residents 18+. Rental amounts shown are on the specific model stated. This offer excludes fleet and Members Affinity scheme sales, is only available through participating Subaru dealers and is not available in conjunction with any other offers unless specified. Crystal White Pearl special paint finish free of charge across all models. 
This offer is only available through Blackhorse Contract Hire a trading name of Lex Autolease. Registered office Heathside Park, Heathside Park Road, Stockport, SK3 0RB. Offers may be varied or withdrawn at any time. Offer ends 31.09.2025. Vehicle must be returned in a good condition to avoid further charges. You will not own the vehicle. If the vehicle has exceeded the maximum permitted mileage then a charge of 16.5p plus VAT @20% on Touring will apply.

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Startin Tractors Limited is authorised and regulated by the Finance Conduct Authority (FCA No 669694) to act as a credit broker, not a lender for the introduction to a limited number of lenders as detailed in our status disclosure document.

Registered in England & Wales: 1381670

Registered Office: The Grange, Croxall, Lichfield, Staffs WS13 8RB

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