PCP End of Contract

Keep the vehicle

If you wish to keep the vehicle, you will need to pay the optional final payment. You can do this online or by calling us on 0344 8248888 and selecting the make a payment option.

​​​​​​​Return the vehicle

If you wish to return the vehicle to us, we can arrange this for you. 
If your end of contract date is more than 28 days away, you do not need to take any action at the moment. Please come back to us when your end of contract payment date is within 28 days and we will tell you what to do.
If your end of contract date is within 28 days, you should do the following:
Email us at to confirm that you wish to return the vehicle.  You will need to include your agreement number. We will be back in touch as soon as we can to arrange collection.
If you have not already done so, please cancel your direct debit so that no further payments are made to us.  Your agreement will be placed on hold until the vehicle is collected. You will not be charged any late payment fees.  We will also ensure that there is no negative impact on your credit file.
You must stop using the vehicle with effect from your end of contract date. This is the due date for your optional final payment. You will find this in the reminder letters that we sent you advising that your contract is coming to an end.
You must keep your insurance and Road Tax in place until your vehicle is collected
You will need to keep the vehicle safe and in your possession until we collect it. We do ask that you ensure the vehicle is maintained. Please top up oil and water levels when needed and start the engine and let it run for 15 minutes each week.
You will still have to pay any charges that may be due if you have exceeded the mileage allowance. You will find your mileage allowance and excess mileage rate on your agreement. You will also have to pay any charges that may be due for damage to the vehicle other than fair wear and tear. We will contact you about any charges that may be due AFTER the vehicle has been collected.

Voluntary Termination

If you want to end your agreement and return the vehicle, please send an email to ​​​​​​​ You will need to include your agreement number and a telephone number so that we can call you back. We will call you back as soon as we can to explain how this works. We are receiving a very high number of calls and emails at present so it may take us a few days to call back.

Due to Government guidance our collection process might take longer than usual. So get in touch as soon as you can.


You can change your payment date online. Select the ‘change payment date’ button. You will be shown the amount that will be due for changing your payment date. You will need to make the changes at least 5 days before your next monthly payment is due. If you are unable to process a payment date change online, you can call us on 0344 8248888
You can make a payment online. Select the ‘Make a payment’ button. You can also make a payment by calling us on 0344 8248888 and selecting the ‘Make a payment’ option.
You can change your address online.  Select the ‘Update address’ button and you can input your new address.
You can change your bank details online. Select the ‘Update bank details’ button and you can input your new bank details.
You can obtain a settlement figure online. Select the ‘settlement figure’ button.  You can also obtain a settlement figure by calling us on 0344 8248888 and selecting the settlement figure option.
You can obtain a statement of account online. Select the ‘Request a statement’ button. 
You can update your contact details online. Select the ‘Update contact details’ button.
You can check details of your account online. You can check the balance, term, APR, last payment date and amount and your next payment date and amount.

You can use our online service to complete the actions below. You will need to log in to your account using your date of birth, postcode and agreement number. You then need to click on the relevant button. If you are a business, you may not be able to use our online service. If you are unable to use the online service, call us on 0344 8248888.