MY ACCOUNT 0 LOCATIONS Home Used Cars Used Vans New Cars Buy Online Servicing Contact Us Careers More Back You are here: Homepage > Finance Below we outline the finance products available to you to fund your new car purchase. Our team are available to assist with any questions, whether up front or throughout the journey should you wish to purchase online. Tailor your finance Finance Options at Fish Brothers What is Personal Contract Purchase (PCP)? Personal Contract Purchase (PCP) is a finance product that allows you the opportunity to buy a new or a used car. It is similar to a Hire Purchase agreement as you will usually pay an initial deposit, followed by monthly instalments over a term typically between 18 to 48 months. What makes PCP different to Hire Purchase (HP) is that your monthly instalments are paying off the depreciation of the car, and not its entire value, over the course of the term. Then, when you get to the end of your agreement, there is a final, balloon payment that must be made if you want to keep the car. The balloon payment is often referred to also as the Guaranteed Future Value (GFV). How does PCP actually work? What are the advantages of PCP? What should you consider when opting for PCP? Can I settle my PCP agreement early? Find and finance your next vehicle through PCP What is Hire Purchase (HP)? Hire Purchase is a way to finance buying a new or used car. You will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends, and you own the car outright. What are the advantages of HP? What should you consider when opting for HP? Can I settle my HP agreement early? Find and finance your next vehicle through HP Enquire About Our Finance Options Why Buy Online? Got a question or need help with an electric vehicle? If you're looking for your next vehicle, our teams across the country will be happy to assist to help meet and exceed your requirements. Click on the link below to get in contact with your local retailer. Reasons To buy Online Our Locations Our showrooms are conveniently located in Swindon. Find Your Nearest Showroom Join The Community Get all the latest updates from Fish Brothers. INFO © 2021 Fish Brothers (Swindon) Limited Registered Address: Ashworth Road Swindon SN5 7UZ VAT No. 618149337 Company Name: Fish Brothers (Swindon) Limited Company Number: 2583215 RFC: 706125 FINANCIAL DISCLOSURE Fish Brothers (Swindon) Ltd is authorised and regulated by the Financial Conduct Authority. FRN: 706125. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. We typically receive a fixed commission calculated by reference to the vehicle age, model or amount you borrow, for introducing you to a lender but this does not affect the interest you pay on the agreement, which is set by the lender. Fish Brothers (Swindon) Ltd is an Appointed Representative of AutoProtect (MBI) Limited for General Insurance distribution purposes which is authorised and regulated by the Financial Conduct Authority for Insurance Mediation (Firm Reference Number 312143). You can check this on the FCA Register by visiting the www.fca.org.uk USEFUL LINKS Buy Online New Cars New Vans View All Used Cars Value My Car Service Booking New Car Offers Aftersales Business Users Motability Careers Locations Terms & Conditions Privacy Policy Data Preferences Site Map Anti-Slavery Policy Gender Pay Gap Report Back to top NetDirector ® - Automotive Ecommerce change cookie settings This site uses cookies and related technologies for site operation, analytics and third party advertising purposes as described in our Privacy and Data Processing Policy. You may choose to consent to our use of these technologies, or further manage your preferences. To opt-out of sharing with third parties information related to these technologies, select "Manage Settings" or submit a Do Not Sell My Personal Information request. Manage Settings Accept Recommended