What should I do with my PCP?

A simple, no-sales-pressure check to help you decide whether to keep the car, hand it back, change car, or pause and get one missing number.

1) Is your car worth more or less than the balloon (GFV)?

If you don’t know, that’s normal — the tool will tell you what to check first.

2) Does the car still suit your needs?

If it doesn’t fit, keeping it is rarely the “right” answer even if it’s cheaper.

3) If you kept it, how long would you keep it?

Keeping makes more sense if you’ll run it for a while after the PCP ends.

4) If monthly cost rose £150–£250, how painful would that be?

This is a proxy for affordability without asking for all your numbers.

5) Why are you considering changing cars?

How this works

This tool uses simple rules that avoid the most common PCP mistake: making a new finance decision while you’re missing the key numbers (value vs balloon / settlement), or rolling hidden costs into the next deal.

Decision support only — not financial advice. Always check your contract terms, mileage/condition rules, and settlement figures.