Honda PCP Car Finance

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At Clifton Private Finance, we specialise in providing tailored Personal Contract Purchase (PCP) finance solutions for Honda vehicles, ranging from efficient city cars to versatile SUVs and innovative electric models. Whether you’re considering the popular Honda Civic, the spacious CR-V, or the eco-friendly Honda e, our team ensures access to the most competitive rates and financing packages to suit your needs.

Through independent market comparisons, we connect you with the best PCP packages, often securing financing within hours. Here’s how we make Honda ownership more accessible:

• Flexible Finance Options: In addition to PCP, we provide Hire Purchase (HP), Lease Purchase, and unsecured loan solutions.
• Competitive Rates: We source cost-effective financing options that frequently outperform dealership offers.
• Customised Packages: Finance plans tailored to your budget, lifestyle, and chosen Honda model.
• Repayment Flexibility: Payment terms extending up to 10 years for comfortable monthly instalments.
• Options for New and Used Models: Whether you're looking for a brand-new Honda or a pre-owned vehicle, we ensure a perfect financing fit.

Start your journey toward Honda ownership today. Contact us for a personalised quote or use our finance calculator to explore your options.

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Why Choose PCP Car Finance for Your Honda?

Honda is renowned for its innovation, reliability, and versatile line-up, offering a range of vehicles to suit every lifestyle. Personal Contract Purchase (PCP) finance makes Honda ownership more accessible by dividing the cost of your chosen model into affordable monthly payments.

PCP is an excellent option for drivers seeking flexibility and modern convenience. With lower monthly instalments compared to traditional car loans, PCP allows you to enjoy the benefits of driving a Honda while keeping costs manageable. At the end of your agreement, you can:

• Pay the final balloon payment to take full ownership.
• Return the car with no additional costs, provided mileage and condition standards are met.
• Upgrade to a new Honda model with a renewed PCP agreement.

Whether you’re eyeing the efficient Honda Jazz, the stylish Honda Civic, or the cutting-edge electric Honda e, PCP finance adapts to your needs and budget.

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How PCP Works for a Honda

PCP finance is designed to offer simplicity and flexibility in car ownership. Here's how it works:

• Initial Deposit: Typically 10–20% of the car’s value, this upfront payment secures your PCP agreement.
• Monthly Payments: These are lower than traditional finance options since you’re only financing the vehicle’s depreciation during the contract.
• Final Balloon Payment: At the contract’s end, you have three options: Pay the balloon payment to own the car. Return the car without further obligations. Trade it in to start a new PCP agreement.

This structure provides the freedom to enjoy driving a Honda without the immediate financial burden of outright ownership.

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Honda Models Eligible for PCP in the UK

Honda offers a diverse line-up of vehicles, from fuel-efficient hybrids to stylish SUVs and electric city cars. Here are some popular Honda models eligible for PCP finance in the UK:

• Honda Jazz: Starting at £18,995, this compact car is perfect for city driving. It features a 1.5L i-MMD Hybrid engine with 130bhp, a 0-60 mph time of 9.5 seconds, and a fuel economy of 56.6mpg.
• Honda Civic: Prices range from £22,000 to £28,000, offering a reliable and stylish family car. The Civic comes with a 1.5L i-VTEC Turbo engine with 180bhp, a 0-60 mph time of 7.8 seconds, and a fuel economy of 49.6mpg.
• Honda CR-V: Starting at £30,000, this spacious SUV provides comfort and versatility. It features a 1.5L i-MMD Hybrid engine with 184bhp, a 0-60 mph time of 8.6 seconds, and a fuel economy of 51.4mpg.
• Honda HR-V: Priced around £25,000, this compact SUV offers a blend of practicality and style. It comes with a 1.5L i-MMD Hybrid engine with 130bhp, a 0-60 mph time of 9.5 seconds, and a fuel economy of 56.6mpg.
• Honda e: Starting at £32,995, this all-electric city car offers an eco-friendly option with a 35.5kWh battery, a 0-60 mph time of 8.3 seconds, and a fuel economy equivalent of 132mpge.

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

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Comparing PCP to Other Car Finance Options for Honda

Choosing the right car finance plan ensures a seamless ownership experience. 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, flexibility to keep, return, or upgrade.
• Considerations: Mileage and condition restrictions apply; ownership depends on the balloon payment.

Hire Purchase (HP):

• Advantages: Ownership after fixed payments, no mileage restrictions.
• Considerations: Higher monthly payments as the full car value is financed.

Personal Contract Hire (PCH):

• Advantages: Regular model upgrades, often includes maintenance.
• Considerations: No ownership option, usage restrictions.

Unsecured Loans:

• Advantages: Immediate ownership, no usage restrictions.
• Considerations: Higher interest rates and credit requirements.

Credit Cards:

• Advantages: Ideal for deposits or extras, short-term 0% interest promotions.
• Considerations: Impractical for full car purchases due to credit limits.

Here's a handy quick-guide table to review, and compare, between the many options available when it comes to financing Honda Models and Vehicles.

 

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Choosing the Right Option – PCP Finance for Honda

When selecting the best financing option for a Honda, align your choice with your financial priorities and driving preferences. Here’s an overview of when each financing method may be suitable:

When to Choose PCP (Personal Contract Purchase):

• Affordable Monthly Payments: Ideal for budget-conscious drivers seeking lower monthly costs by financing only the car’s depreciation.
• Flexibility to Upgrade: Great for those who enjoy driving Honda’s latest models every few years.
• Ownership Options: Purchase the car outright by paying the final balloon payment. Return it with no further obligations (subject to mileage and condition terms). Trade it in for a new PCP agreement.

When to Choose HP (Hire Purchase):

• Long-Term Ownership: Best for drivers who plan to keep their Honda and own it outright after completing fixed monthly payments.
• No Mileage Limits: Suitable for frequent or long-distance drivers.

When to Choose PCH (Personal Contract Hire):

• Frequent Upgrades: Ideal for drivers who prefer leasing the newest models without ownership commitment.
• Inclusive Costs: Often includes maintenance and road tax.

When to Choose an Unsecured Loan:

• Immediate Ownership: Allows for outright purchase, granting full ownership from the outset.
• No Restrictions: No mileage or condition limits to manage.

When to Use a Credit Card:

• For Deposits or Extras: Best for smaller expenses like deposits or optional upgrades.
• Short-Term Financing: Effective for manageable amounts but impractical for full vehicle financing.

By carefully evaluating these options, you can choose the financing solution that best meets your needs. If you prefer the affordability and versatility of PCP finance, Clifton Private Finance is here to help you secure the ideal package, customised to your circumstances and your chosen Honda model.

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GAP Insurance for Added Protection

GAP insurance is a valuable addition to your PCP agreement, providing peace of mind in unforeseen circumstances. It covers the difference between your car’s market value and the remaining balance on your finance agreement in case of total loss.

Key Benefits:

• Financial Security: Protects you from potential shortfalls.
• Comprehensive Coverage: Complements your car insurance.
• Added Confidence: Especially important for high-value vehicles.

We can help arrange tailored GAP insurance alongside your PCP plan.

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How to Apply for Honda PCP Finance

Our process ensures quick and straightforward access to PCP finance for your Honda:

• Get in Touch: Share details about your chosen model, deposit, and preferred terms. Contact us by phone or online inquiry form.
• Receive a Personalised Quote: Explore tailored finance packages with clear breakdowns of costs.
• Approval Process: Submit required documents like proof of income and ID. Approvals typically take 24–48 hours.
• Drive Away: Finalise paperwork and start enjoying your Honda with flexible payments.

Contact Us Today

Ready to explore Honda 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.

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