What should I do with my PCP?

General decision support to help you decide whether to keep the car, hand it back, change car, or pause and get one missing number.

Already know your direction?

If you’ve already decided to keep, the next decision is how to handle the balloon. If you’re planning to get rid of the car, the next decision is how to sell/exit.

Keep: decide cash vs refinance vs sell →

Exit: choose a sell route (private vs online vs part-ex) →

These links don’t record any personal data; they just take you to the next decision page.

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

A rough estimate is enough — you’re choosing a path, not negotiating.

2) Does the car still suit your needs?

If it doesn’t fit, “keeping” is rarely the right default.

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

A simple proxy for affordability without asking for all your numbers.

5) Why are you considering changing cars?

How this works

This uses simple rules that try to prevent common mistakes: deciding under deadline pressure, changing cars while missing key numbers, or hiding costs inside the next finance agreement.

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