Mazda PCP Car Finance

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At Clifton Private Finance, we specialise in providing bespoke Personal Contract Purchase (PCP) finance solutions for Mazda vehicles, catering to a diverse range of models designed for various driving needs. Whether you're considering the Mazda2, or the stylish Mazda CX-5, 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 Mazda 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 Mazda 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 Mazda or a pre-owned vehicle, we ensure a perfect financing fit.

Start the process of Mazda 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 Mazda?

Mazda vehicles are known for their stylish design, fuel efficiency, and engaging driving dynamics. Personal Contract Purchase (PCP) finance enhances Mazda’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 quality 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 Mazda model with a renewed PCP agreement.

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How PCP Works for a Mazda

PCP finance simplifies Mazda 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 Mazda PCP deal.

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

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Mazda Models Eligible for PCP in the UK

Mazda offers a diverse range of vehicles that combine performance, efficiency, and style. Here are some popular models eligible for PCP finance in the UK:

• Mazda2 Hatchback: Starting at £18,625, this compact car is perfect for city driving. It features a 1.5L 4-cylinder engine with 116bhp, a 0-60 mph time of 9.6 seconds, and a fuel economy of 53.3mpg.
• Mazda CX-30: Priced around £25,000, this stylish compact SUV offers a blend of performance and practicality. It comes with a 2.0L 4-cylinder engine with 140bhp, a 0-60 mph time of 8.1 seconds, and a fuel economy of 39.2mpg.
• Mazda CX-5: Starting at £30,000, this family SUV provides a comfortable and spacious ride. It features a 2.0L 4-cylinder engine with 165bhp, a 0-60 mph time of 7.7 seconds, and a fuel economy of 39.2mpg.
• Mazda CX-60: Priced around £40,000, this mid-size SUV offers luxury and performance. It comes with a 2.5L 4-cylinder engine with 225bhp, a 0-60 mph time of 6.4 seconds, and a fuel economy of 39.2mpg.
• Mazda MX-30: Starting at £30,000, this all-electric compact SUV provides a sustainable driving experience. It features a 35.5kWh battery, a 0-60 mph time of 9.0 seconds, and a fuel economy equivalent of 124mpge.
• Mazda CX-80: Priced around £50,000, this large SUV offers spaciousness and advanced features. It features a 3.0L V6 engine with 335bhp, a 0-60 mph time of 6.0 seconds, and a fuel economy of 39.2mpg.

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

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Comparing PCP to Other Car Finance Options for Mazda

Selecting the best car finance plan for a Mazda 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.

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Choosing the Right Option – PCP Finance for Mazda

When selecting the right finance option for your Mazda, 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 Mazda more accessible by financing only the vehicle’s depreciation over your chosen term. This results in lower monthly payments compared to other finance methods.
• Flexible End-of-Term Options: At the end of the contract, you have the option to: Make a balloon payment to own the Mazda outright. Return the vehicle without any further obligations, provided it meets mileage and condition standards. Upgrade to a newer Mazda model with a fresh PCP agreement.
• Best for: Drivers who prefer lower monthly costs, flexibility to change vehicles regularly, and don’t intend to exceed mileage limits.

Hire Purchase (HP)

• Ownership at Completion: HP spreads the full cost of your Mazda over fixed monthly payments, leading to outright ownership once all payments are completed.
• No Mileage Restrictions: Unlike PCP, HP does not impose mileage caps, making it ideal for high-mileage drivers.
• Higher Monthly Payments: Since you’re financing the entire value of the vehicle, monthly payments are typically higher than those under a PCP agreement.
• Best for: Long-term ownership and drivers who plan to keep their Mazda for years to come.

Personal Contract Hire (PCH)

• Leasing Simplicity: PCH allows you to lease a Mazda for a fixed period without the responsibility of ownership.
• Inclusive Costs: Many PCH agreements include road tax and maintenance, simplifying your expenses.
• No Ownership Option: At the end of the lease, the vehicle is returned to the provider, and you’ll need to start a new agreement if you wish to continue driving a Mazda.
• Best for: Drivers who value simplicity, prefer low-maintenance options, and enjoy upgrading to the latest Mazda models regularly.

Unsecured Loans

• Immediate Ownership: An unsecured loan provides you with the funds to purchase your Mazda outright, giving you full ownership from the start.
• Flexible Terms: Loans can be tailored to suit your repayment preferences, often spanning several years.
• No Restrictions: Unlike PCP or PCH, you’ll have no limitations on mileage or vehicle condition.
• Higher Interest Rates: Depending on your credit score, unsecured loans may carry higher interest rates than dealership financing options.
• Best for: Buyers seeking full ownership without dealership finance contracts and those with strong credit profiles who can secure favourable loan terms.

Credit Cards

• Supplementary Financing: Credit cards are typically used to finance smaller expenses, such as deposits, optional upgrades, or additional accessories for your Mazda.
• Short-Term Solutions: They can be advantageous if you have access to a 0% interest promotional period, but they’re not practical for financing an entire vehicle due to credit limits and higher interest rates.
• Convenient Payments: Credit cards can complement other financing methods, offering flexibility for smaller transactions.
• Best for: Managing deposits, paying for customisations, or supplementing other finance options.

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GAP Insurance for Added Protection

GAP insurance safeguards against financial shortfalls if your Mazda is written off or stolen during the finance term.

• Financial Security: Covers the difference between your car’s market value at the time of the incident and the outstanding finance owed.
• Comprehensive Coverage: Acts as a complement to your standard car insurance policy.
• Added Confidence: Especially valuable for newer vehicles that experience rapid depreciation within the first few years of ownership.

Our experts can help you arrange tailored GAP insurance alongside your Mazda PCP or other finance plans for complete peace of mind.

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How to Apply for Mazda PCP Finance

Applying for Mazda PCP finance with Clifton Private Finance is straightforward and efficient:

• Get in Touch: Share details about your chosen Mazda model, deposit amount, and preferred payment terms. You can reach us by phone or through our online inquiry form.
• Receive a Personalised Quote: Explore tailored finance packages designed to suit your budget and lifestyle.
• Approval Process: Submit the required documents. Our streamlined process ensures approvals typically within 24–48 hours.
• Drive Away: Finalise your paperwork and start enjoying your Mazda with flexible monthly payments.

Contact Us Today

At Clifton Private Finance, we understand that selecting the right financing option can be challenging. Our knowledgeable team is committed to providing expert guidance tailored to your unique needs. We’ll help you navigate the complexities of Mazda financing and secure the plan that’s best for you.

Start your Mazda ownership journey today by contacting us for a personalised consultation or using our online finance calculator to explore your options.

Get a PCP Quote »