SUZUKI FINANCE OFFER A RANGE OF FINANCE PRODUCTS TO SUIT CUSTOMER’S INDIVIDUAL NEEDS. THESE ARE:

  • Hire Purchase (HP)
  • Personal Contract Purchase (PCP)
  • Personal/Business Contract Hire (PCH/BCH)

HP and PCP are subject to status and only available to UK residents aged 18 and over. Finance is provided by Suzuki Finance, a trading style of Suzuki Financial Services Ltd, St William House, Tresillian Terrace, Cardiff, CF10 5BH. Suzuki Financial Services is authorised and regulated by the Financial Conduct Authority.

PCH and BCH are subject to status and only available to UK residents aged 18 and over. Finance is provided by Lex Autolease Ltd, Heathside Park, Heathside Park Road, Stockport SK3 0RB. Lex Autolease Ltd is authorised and regulated by the Financial Conduct Authority. Suzuki Financial Services Ltd and Lex Autolease Ltd are part of Lloyds Banking Group.

Availability of products may vary by dealer and vehicle type.

Hire Purchase - How it Works
Hire Purchase (HP) could help you buy your dream car whilst spreading the cost.

  • You’ll agree an initial deposit, your agreement term and your monthly repayments with the dealer.
  • Your deposit is taken from the price of the car.
  • You’ll then pay the remaining balance plus interest in equal monthly repayments over the agreed term.
  • Suzuki Finance buys the car on your behalf and owns the car for the duration of the finance agreement.
  • After you’ve made all the repayments including any interest, you will become the owner of the vehicle

Personal Contract Purchase - How it Works
Personal Contract Purchase (PCP) can help you to buy your dream car with lower monthly repayments than a hire purchase product as a large proportion of the amount you repay is deferred into an optional final repayment. You will pay more interest on a PCP agreement than a HP agreement for the same loan amount, term and APR* as your balance reduces more slowly due to the optional final repayment.

  • Agree an initial deposit and term with the dealer and decide how many miles you’ll travel each year.
  • The dealer will then work out the monthly repayment amount and the optional final repayment amount, which is based on the anticipated value of the vehicle at the end of the agreement.
  • At the end of your agreement, you can part exchange the vehicle, return the vehicle (return conditions apply) or pay the optional final repayment and own the vehicle.
  • Suzuki Finance buys the car on your behalf and owns the car for the duration of the finance agreement.
  • After you’ve made all the repayments including the optional final repayment and any interest, you will become the owner of the vehicle.

*Annual Percentage Rate of Charge (APR) – This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers. Make sure you select a realistic mileage allowance otherwise excess mileage charges may be incurred if you exceed the agreed mileage and return the vehicle to us. The maximum age of the vehicle at the end of the agreement is typically 7 years. Minimum and maximum finance amounts may apply.

Personal Contract Hire - How it Works
This product is only available on selected models.

  • Personal Contract Hire (PCH) is a fixed cost rental agreement which is available for a period of 2-5 years on new vehicles only.
  • This is also available with an added optional maintenance package which can help with keeping your vehicle in good condition.
  • When your agreement comes to an end you must return the vehicle to us as there is no ownership option.


Decide your annual mileage limit which must be a minimum of 5,000. The maximum limits vary by vehicle. If your circumstances change during your agreement you may be able to amend your contracted mileage. Optional maintenance packages are available within your agreement at an additional cost.

What Else You Need To Know About Hire Purchase
Your Rights (Agreements regulated by the Consumer Credit Act)

✔️ Right of Withdrawal: You can change your mind and withdraw from the agreement without giving any reason during the first 14 days after you receive the executed copy of your agreement. This will bring the finance agreement to an end, but it does not automatically mean you can pull out of buying the vehicle or any insurance products/extras. If you withdraw, you must pay us the total amount of credit we are lending you for the vehicle and any insurance products/extras and interest on it within 30 days.
✔️ Voluntary Termination: You have the right to end the agreement early and return the vehicle to us. If you do this, you need to pay us all repayments that have fallen due up to the time of termination. If at the point that you terminate, the amount you have paid for the vehicle (including the deposit) is less than half the total amount payable for the vehicle you will also need to make an additional payment to bring the amount up to this sum. You will also need to pay:
■ The outstanding balance less any rebate of charges due for any insurance products/extras and
■ Any charges that may apply if you have not kept the vehicle in good repair or if you have exceeded the agreed maximum mileage allowance.
✔️ Satisfactory Quality Rights: You have rights against the lender if the vehicle is not of a satisfactory quality. If you experience problems with the vehicle, we will work with the dealer to resolve your concerns.
✔️ Early Settlement: You can pay off your agreement in full at any time. Just contact us and we will tell you what you need to pay and by when. You may even get a rebate of some of your interest. Where applicable, the interest is calculated up-front and added to the balance at the start of your agreement. Whilst you pay an equal repayment amount each month, the amount of interest that you pay each month reduces over the life of the agreement so this will impact the level of rebate that you receive.

What Else You Need To Know About Personal Contract Purchase
Your Rights (Agreements regulated by the Consumer Credit Act)

✔️ Right of Withdrawal: You can change your mind and withdraw from the agreement without giving any reason during the first 14 days after you receive the executed copy of your agreement. This will bring the finance agreement to an end, but it does not automatically mean you can pull out of buying the vehicle or any insurance products/extras. If you withdraw, you must pay us the total amount of credit we are lending you for the Vehicle and any insurance products/extras and interest on it within 30 days.
✔️ Voluntary Termination: You have the right to end the agreement early and return the vehicle to us. If you do this, you need to pay us all repayments that have fallen due up to the time of termination. If at the point that you terminate, the amount you have paid for the vehicle (including the deposit) is less than half the total amount payable for the vehicle you will also need to make an additional payment to bring the amount up to this sum. You will also need to pay:
■ The outstanding balance less any rebate of charges due for any insurance products/extras and
■ Any charges that may apply if you have not kept the vehicle in good repair or if you have exceeded the agreed maximum mileage allowance.

For PCP, you will reach the half paid point later in the agreement than you would in a HP agreement over the same term as you are paying less each month due to the deferred optional final repayment.
✔️ Satisfactory Quality Rights: You have rights against the lender if the vehicle is not of a satisfactory quality. If you experience problems with the vehicle, we will work with the dealer to resolve your concerns.
✔️ Early Settlement: You can pay off your agreement in full at any time. Just contact us and we will tell you what you need to pay and by when. You may even get a rebate of some of your interest. Where applicable, the interest is calculated up-front and added to the balance at the start of your agreement. Whilst you pay an equal repayment amount each month, the amount of interest that you pay each month reduces over the life of the agreement so this will impact the level of rebate that you receive.

What Else You Need To Know About Personal Contract Hire
Your Rights (Agreements regulated by the Consumer Credit Act)

​✔️Right to Cancel: You may have the right to cancel within 15 days of the date the agreement is signed by you and us. If you do cancel, we will reimburse any payments received from you. For any period that you had use of the vehicle, you’ll need to pay a proportion of the agreed monthly rentals.
​✔️​Early Termination: You can terminate the agreement early providing you pay 50% of the remaining monthly rental plus any other charges, such as pro-rata excess mileage or damages.
​✔️​Satisfactory Quality Rights: If the vehicle that you purchase under the agreement is not of satisfactory quality you have rights against the owner who will work with the Dealership to resolve your concerns.