Lexus PCP Car Finance

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At Clifton Private Finance, we specialise in providing bespoke Personal Contract Purchase (PCP) finance solutions for Lexus vehicles, catering to a diverse range of models designed for luxury, reliability, and advanced performance. Whether you're considering the agile Lexus UX, the sophisticated Lexus RX, or the cutting-edge all-electric Lexus RZ, our expert team connects you with finance packages tailored to your unique requirements.

Through independent market comparisons, we identify top-tier PCP packages, often securing financing within hours. Here's how we make Lexus ownership more accessible:

• Flexible Finance Options: We offer PCP, Hire Purchase (HP), and other finance solutions to suit your needs.
• Competitive Rates: We source cost-effective financing options, with rates as low as 4.9% APR.
• Customised Packages: Finance plans tailored to your budget, lifestyle, and chosen Lexus model.
• Repayment Flexibility: Payment terms designed to fit your financial situation, with options from 12 to 60 months.
• Options for New and Used Models: Whether you're opting for a brand-new Lexus or a pre-owned vehicle, we ensure a perfect financing fit.

Start the process of Lexus 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 Lexus?

Lexus vehicles are celebrated for their luxury, reliability, and cutting-edge hybrid technology. Personal Contract Purchase (PCP) finance enhances Lexus’s appeal by breaking down the total cost into manageable monthly payments.

PCP is ideal for drivers who value flexibility and affordability while enjoying a premium vehicle. At the end of your PCP agreement, you can:

• Make a 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 Lexus model with a renewed PCP agreement.

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How PCP Works for a Lexus

PCP finance simplifies Lexus ownership while providing unmatched flexibility. Here’s how it works:

• Initial Deposit: A typical deposit of 10–20% of the car’s value starts your PCP agreement.
• Monthly Payments: Lower than traditional car loans, these payments cover the car’s depreciation over the contract term.
• Final Balloon Payment: At the end of the term, you can: Pay the balloon payment to purchase the car outright. Return the vehicle. Use it as a trade-in for a new Lexus PCP deal.

This structure allows you to enjoy Lexus ownership without the financial burden of outright purchase.

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Lexus Models Eligible for PCP in the UK

Lexus offers a range of luxurious and reliable vehicles suitable for various needs. Here are some popular models eligible for PCP finance in the UK:

• Lexus UX: Starting at £30,000, this compact luxury SUV is perfect for city driving. It features a 1.3L 4-cylinder engine with 201bhp, a 0-60 mph time of 8.5 seconds, and a fuel economy of 53.3mpg.
• Lexus NX: Prices range from £35,000 to £45,000, offering a blend of style and performance. The NX comes with a 2.5L 4-cylinder engine with 241bhp, a 0-60 mph time of 7.3 seconds, and a fuel economy of 39.2mpg.
• Lexus RX: Starting at £50,000, this mid-size luxury SUV provides comfort and elegance. It features a 3.5L V6 engine with 295bhp, a 0-60 mph time of 7.1 seconds, and a fuel economy of 39.2mpg.
• Lexus ES: Priced around £40,000, this stylish sedan offers a smooth ride and advanced features. It comes with a 2.5L 4-cylinder engine with 215bhp, a 0-60 mph time of 8.2 seconds, and a fuel economy of 53.3mpg.
• Lexus LS: Starting at £80,000, this flagship luxury sedan provides ultimate comfort and performance. It features a 3.5L V6 engine with 416bhp, a 0-60 mph time of 5.6 seconds, and a fuel economy of 39.2mpg.
• Lexus RZ: Priced around £70,000, this all-electric SUV offers impressive performance and range. It features a 71.4kWh battery, a 0-60 mph time of 4.7 seconds, and a fuel economy equivalent of 124mpge.

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Comparing PCP to Other Car Finance Options for Lexus

Selecting the best car finance plan for a Lexus ensures your ownership experience is seamless. 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: Full 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 Lexus Models and Vehicles

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Choosing the Right Option – PCP Finance for Lexus

When selecting the right finance option for your Lexus, it’s essential to align your choice with your driving preferences, financial situation, and long-term goals. Each financing method has distinct advantages and considerations, which we’ve outlined to help you make an informed decision:

Personal Contract Purchase (PCP)

• Affordable Monthly Payments: PCP is designed to make owning a Lexus more accessible by financing only the vehicle’s depreciation over your chosen term.
• Flexible End-of-Term Options: At the end of the contract, you have the option to: Make a balloon payment to own the Lexus outright. Return the vehicle without any further obligations, provided it meets mileage and condition standards. Upgrade to a newer Lexus model with a fresh PCP agreement.

Hire Purchase (HP)

• Ownership at Completion: HP spreads the full cost of your Lexus over fixed monthly payments, leading to outright ownership once all payments are completed.
• No Mileage Restrictions: Unlike PCP, HP does not impose mileage caps.

Personal Contract Hire (PCH)

• Leasing Simplicity: PCH allows you to lease a Lexus for a fixed period without the responsibility of ownership.
• Inclusive Costs: Many PCH agreements include road tax and maintenance.

Unsecured Loans

• Immediate Ownership: An unsecured loan provides you with the funds to purchase your Lexus outright.
• Flexible Terms: Loans can be tailored to suit your repayment preferences.

Credit Cards

• Supplementary Financing: Credit cards are typically used to finance smaller expenses, such as deposits, optional upgrades, or additional accessories for your Lexus.

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GAP Insurance for Added Protection

GAP insurance protects against financial shortfalls if your Lexus is written off or stolen.

• Financial Security: Covers the difference between your car’s market value and the outstanding finance.
• Comprehensive Coverage: Complements your car insurance.
• Added Confidence: Especially beneficial for high-value vehicles.

Let us arrange tailored GAP insurance alongside your PCP plan.

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How to Apply for Lexus PCP Finance

Our simple process ensures fast and efficient financing:

• 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.
• Approval Process: Submit required documents. Approvals typically take 24–48 hours.
• Drive Away: Finalise paperwork and enjoy your Lexus with flexible payments.

Contact Us Today

At Clifton Private Finance, we understand that choosing the right finance option can be overwhelming. Our experienced team is here to provide expert advice tailored to your unique circumstances, helping you navigate the complexities of Lexus financing and secure the ideal plan.

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