What should I do with my PCP?

This tool helps you decide what to do at the end of a PCP agreement: keep the car, hand it back, change car, or pause and get missing information.

Deterministic decision support. The engine is strict about missing info and tries to prevent the most common PCP mistake: rolling hidden costs into the next deal.

1) Where are you in the agreement?

Mid-term decisions are settlement-driven (today’s payoff), not just the balloon (GFV).

2) Do you know your car’s value vs the payoff figure?

If you don’t know, that’s normal — don’t decide blind.

3) If you returned it, are excess mileage/condition charges likely?

Hand-back only “wins” if return costs don’t wipe out the advantage.

4) Does the car still fit your needs?

If it doesn’t fit, keeping it is usually a false economy.

5) If you kept it, how long would you realistically keep it?

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

6) If keeping it increased monthly spend, could you still afford it?

If “no”, don’t manufacture a keep decision. Choose a clean exit.

How this works

PCP is hierarchical. First: are you end-of-term or mid-term? Second: do you know value vs the correct payoff? Then: can you exit cleanly without hiding costs? If not, the engine tells you to pause.

Decision support only — not financial advice. Check your contract and figures.