Dacia PCP Car Finance

Our Service

At Clifton Private Finance, we specialise in providing flexible and tailored Personal Contract Purchase (PCP) finance solutions for Dacia vehicles, from affordable city cars to spacious family SUVs and versatile MPVs. Whether you’re interested in the rugged Dacia Duster, the practical Jogger, or the eco-friendly Spring, we’ll help you secure competitive rates and financing plans designed to meet your needs.

Through our independent market comparisons, we ensure access to the most suitable PCP packages, often securing financing within hours. Here’s how we assist in making Dacia ownership more accessible:

• Flexible Finance Options: Beyond PCP, we offer Hire Purchase (HP), Lease Purchase, and unsecured loans.
• Competitive Rates: Our team compares leading lenders to find affordable solutions that often outperform dealership offers.
• Customised Packages: We craft finance plans suited to your budget, lifestyle, and vehicle preferences.
• Repayment Flexibility: Enjoy payment terms of up to 10 years for manageable instalments.
• Options for New and Used Models: Whether you’re after a factory-fresh Dacia or a reliable pre-owned model, we tailor our financing to your goals.

Take the first step towards Dacia ownership today—contact us for a personalised quote or explore our finance calculator to review your options.

Get a PCP Quote »

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Why Choose PCP Car Finance for Your Dacia?

Dacia is renowned for its practical, reliable, and value-for-money vehicles. Personal Contract Purchase (PCP) makes these vehicles even more attainable by spreading the cost into manageable monthly payments.

PCP is ideal for drivers who value flexibility. With lower monthly instalments than traditional finance options, you can drive your dream Dacia while keeping financial commitments reasonable. At the end of the agreement, you can choose to:

• Purchase the car outright with a final balloon payment.
• Return the car without further obligation (subject to mileage and condition terms).
• Trade it in for a newer Dacia model under a fresh PCP agreement.

Whether you’re looking for a short-term upgrade to enjoy Dacia’s latest designs or planning for eventual ownership, PCP is a highly adaptable financing option.

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How PCP Works for a Dacia

PCP finance is structured to make Dacia ownership affordable and straightforward. Here's how it works:

• Initial Deposit: Typically 10–20% of the vehicle’s value, this upfront payment secures your agreement.
• Monthly Payments: Lower payments compared to other finance options, as you’re financing only the car’s depreciation over the term.
• Final Balloon Payment: At the end of the term, you can choose to:Pay the balloon payment to take ownership. Return the vehicle. Upgrade to a new Dacia model with a fresh PCP agreement.

This structure allows you to drive a Dacia without committing to its full purchase price upfront, maintaining financial flexibility for future plans.

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Dacia Models Eligible for PCP in the UK

From compact city cars to eco-friendly electric options and spacious family MPVs, Dacia offers something for everyone. Here are some popular models eligible for PCP finance in the UK:

• Dacia Sandero: Starting at £12,995, this compact car is perfect for city driving. It features a 1.0L TCe 100 engine with 100bhp, a 0-60 mph time of 10.3 seconds, and a fuel economy of 58.8mpg.
• Dacia Duster: Prices range from £15,995 to £20,995, offering a rugged and versatile SUV. The Duster comes with a 1.0L TCe 100 engine with 100bhp, a 0-60 mph time of 10.3 seconds, and a fuel economy of 58.8mpg.
• Dacia Jogger: Starting at £18,295, this spacious MPV is ideal for families. It features a 1.0L TCe 100 engine with 100bhp, a 0-60 mph time of 10.3 seconds, and a fuel economy of 58.8mpg.
• Dacia Spring: Priced around £14,995, this compact electric car offers an eco-friendly option with a 45kWh battery, a 0-60 mph time of 9.0 seconds, and a fuel economy equivalent of 124mpge.
• Dacia Sandero Stepway: Starting at £15,495, this crossover version of the Sandero provides extra ground clearance and rugged styling. It features a 1.0L TCe 100 engine with 100bhp, a 0-60 mph time of 10.3 seconds, and a fuel economy of 58.8mpg.

Our team will connect you with lenders offering competitive PCP packages tailored to your chosen Dacia model.

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Comparing PCP to Other Car Finance Options for Dacia

Understanding the differences between car finance options ensures you choose the best fit for your Dacia purchase. Below is an overview of key methods such as Personal Contract Purchase (PCP), Hire Purchase (HP), Personal Contract Hire (PCH), unsecured loans, and credit cards:

Personal Contract Purchase (PCP)

Advantages:

• Lower monthly payments by financing depreciation only.
• End-of-term flexibility: keep, return, or upgrade.

Considerations:

• Mileage and condition restrictions apply.
• Ownership depends on the final balloon payment.

Hire Purchase (HP)

Advantages:

• Full ownership after fixed monthly payments.
• No mileage or condition restrictions.

Considerations:

• Higher monthly payments as you finance the full vehicle value.

Personal Contract Hire (PCH)

Advantages:

• Lower payments with maintenance often included.
• Regular upgrades to new models.

Considerations:

• No ownership option.
• Usage restrictions apply.

Unsecured Loans

Advantages:

• Immediate ownership with no usage limits.
• Flexible repayment terms.

Considerations:

• May carry higher interest rates than other methods.

Credit Cards

Advantages:

• Useful for deposits or optional extras.
• Short-term 0% interest promotions.

Considerations:

• Impractical for full vehicle costs due to credit limits and interest rates.

 Get a PCP Quote »

Choosing the Right Option – PCP Finance for Dacia

When selecting the right financing option for a Dacia, it’s crucial to align your choice with your financial goals and driving preferences. Dacia offers a versatile range of vehicles—from practical city cars like the Sandero to family-focused MPVs like the Jogger—and choosing the ideal finance plan can make driving your perfect Dacia both achievable and cost-effective. Below is a detailed breakdown of when each option may suit you best.

When to Choose PCP (Personal Contract Purchase):

• Affordable Monthly Payments: PCP offers lower monthly payments by financing only the car’s depreciation, not its full value.
• Flexibility to Upgrade: Perfect for those who enjoy experiencing the latest in Dacia’s design and technology.
• Ownership Options: At the end of the contract, decide whether to: Purchase the car outright with a final balloon payment.Return it with no further obligation (subject to mileage and condition terms). Trade it in for a new PCP agreement.

When to Choose HP (Hire Purchase):

• Long-Term Ownership: If you’re focused on owning your Dacia outright without any restrictions, HP is the way to go.
• No Mileage Limits: Ideal for those who drive frequently or over long distances.
• Simple Structure: Fixed payments over a set term ensure clarity and predictability.

When to Choose PCH (Personal Contract Hire):

• Frequent Upgrades: Best for drivers who prefer leasing the latest Dacia models without committing to ownership.
• Inclusive Costs: Monthly payments often include maintenance and road tax, simplifying your budgeting.
• No Ownership Responsibilities: At the end of the lease, return the car without worrying about its resale value or depreciation.

When to Choose an Unsecured Loan:

• Immediate Ownership: With an unsecured loan, you can purchase your Dacia outright, giving you complete control over the vehicle from the start.
• No Usage Restrictions: Enjoy the freedom to drive your Dacia without mileage or condition limits often associated with PCP or PCH agreements.
• Flexible Repayment Options: Spread the cost of your Dacia over several years with repayment terms tailored to your financial circumstances and preferences.

When to Use a Credit Card:

• For Deposits or Extras: Credit cards can be an excellent option for covering smaller expenses, such as deposits or optional upgrades, especially when 0% interest promotions are available.
• Short-Term Financing: Best suited for manageable amounts due to the typically high-interest rates that apply after promotional periods.
• Supplementary Tool: Combine credit cards with other financing methods for added flexibility, but avoid using them as the primary financing solution for a Dacia purchase.

Find the Best Plan for You

By carefully evaluating these options, you can determine the best financing strategy for your Dacia purchase. For those who prefer the affordability and flexibility of PCP finance, Clifton Private Finance is here to help. We ensure you receive competitive rates and expert guidance tailored to your specific needs.

Explore your options with our quick-guide table to compare the advantages of PCP, HP, PCH, unsecured loans, and credit cards for financing Dacia models.

 

 Get a PCP Quote »

GAP Insurance for Added Protection

GAP (Guaranteed Asset Protection) insurance is a valuable addition to your Dacia PCP agreement, offering peace of mind in case of unforeseen events. This type of insurance covers the difference between your car's current market value and the amount owed on your finance agreement if the car is written off or stolen.

Key Benefits:

• Avoid Out-of-Pocket Costs: Ensure you're not left with a financial shortfall in case of a total loss.
• Comprehensive Coverage: Works alongside your primary car insurance policy to fully protect your investment.
• Enhanced Security: Particularly valuable for high-value vehicles like Dacia models, where depreciation can be significant.

Our team can help you arrange GAP insurance tailored to your vehicle and finance agreement, ensuring seamless protection.

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How to Apply for Dacia PCP Finance

Securing PCP finance for your Dacia is simple with Clifton Private Finance. Our streamlined process ensures minimal hassle and quick approval times:

Step 1: Get in Touch

Reach out to us via phone or our online inquiry form. Provide details about the Dacia model you're interested in, as well as your preferred deposit and repayment terms.

Step 2: Personalised Quote

Our team will source tailored PCP finance options based on your specifications and budget. You’ll receive a detailed quote outlining monthly payments, the final balloon payment, and any additional costs.

Step 3: Review and Approval

Once you’ve chosen the ideal package, we’ll guide you through the approval process. Submit required documents, including proof of income, ID, and credit details. Most applications are approved within 24–48 hours.

Step 4: Drive Your Dacia

After approval, complete the paperwork and take delivery of your Dacia. Start enjoying your new vehicle with flexible, manageable payments.

Contact Us Today

Ready to explore Dacia PCP finance? At Clifton Private Finance, we’re here to make your dream car a reality.

With access to a wide range of lenders and tailored packages, you can rest assured you’re in expert hands. Visit our website to use our finance calculator or fill out our contact form.

Get a PCP Quote »