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Get funding that suits your budget with SEAT finance. We offer bespoke finance packages that are a great way to get the keys to your next SEAT car. Our trained finance team create a custom finance package that’s tailored to you. We offer:
Get in touch with your local Pentagon SEAT dealership to learn more about SEAT finance.
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Explore each type of SEAT finance below.
PCP |
HP |
PCH |
|
Initial Payment? |
Y |
Y |
Y |
Own the car at the end? |
Y* |
Y* |
N |
Fixed payments? |
Y |
Y |
Y |
Final payment? |
Y |
Y** |
N |
Mileage charges? |
Y |
N |
Y |
*If you choose to pay the final payment.
**Not all HP agreements will have a balloon payment.
So you can make an informed decision, we’ve broken down each type of SEAT finance, including how they work and their main advantages.
SEAT Personal Contract Purchase Agreement, or PCP, is one of the main types of car finance. You pay a deposit, put down monthly payments and can choose to buy the car at the end. It’s flexible too with your choice of loan term, annual mileage and deposit.
You put down a deposit and then pay monthly for the duration of your loan term. At the end of the agreement, you have the choice of buying the car with the balloon payment or returning it.
PCP finance covers the car’s depreciation rather than its actual value, which is why the monthly payments are typically lower when compared to other finance types. You won’t have to worry about depreciation either as it's covered in your payments.
The main draws of SEAT PCP are that you get low, fixed-rate payments, flexible loan terms and the option to own the car at the end.
You pay for the depreciation of the car, rather than the full price of the vehicle. This allows for lower monthly payments as it’s based on the current market value and annual mileage.
For you, this means an affordable price every month that you can reduce even further by putting down a larger deposit.
The beauty of a SEAT PCP agreement is its flexibility. That’s what makes it such a popular choice. You put down a deposit of around 10%, but this can be increased to lower your monthly payments.
You also choose how long you want your SEAT PCP deal to last, typically from two to five years, and your annual mileage cap, typically from 5,000 to 30,000. Both loan duration and annual mileage will affect your monthly payments
Once you reach the end of your PCP term you have the optional balloon payment, which you can refinance if necessary. If you don't want to pay the optional balloon payment, you can hand the vehicle back to close the agreement.
If there is positive equity in your car, you can hand it in as a deposit on your next SEAT PCP deal at Pentagon.
With Hire Purchase, or HP, you put down a deposit and pay monthly. The main difference from PCP is that you’re paying for the value of the car so monthly payments are usually a bit higher than PCP.
But at the end of the agreement, you only need to pay a small Option to Purchase fee and the car is yours, and there’s no cap on annual mileage.
HP is similar to PCP as there’s a deposit, monthly payments and an Option to Purchase fee at the end. But the main difference is that with HP you are paying off the car’s value, unlike PCP where you cover depreciation.
Your deposit is typically around 10% of the car’s price, with your monthly payments covering the rest of the car’s value. HP agreements tend to last from one to five years, depending on how much you wish to pay monthly.
With a SEAT Hire Purchase deal there is no mileage cap, an affordable Option to Purchase fee and fixed rates.
You have no cap when it comes to annual mileage. This is because you’re paying for the car itself, rather than the depreciation.
So you can drive as many miles as you want each year without incurring any extra charges.
At the end of your SEAT HP agreement, there’s a small Option to Purchase fee.
This is often around £100 - £200 but it may vary. So just pay this fee and the car is yours to keep. It’s much easier to handle than a large lump sum.
Your monthly payments are fixed throughout your agreement so you always pay the same amount. This makes budgeting much easier as you’re never hit with any surprises.
If you’re not looking to own your car, there’s SEAT Personal Contract Hire. With PCH you get a brand new car for low monthly payments, with your choice of the latest models every few years. There’s also the option to include servicing and maintenance as part of your monthly payments, so you won’t have to worry about the cost of regular work.
PCH is ideal for anyone who is after low monthly payments and doesn’t want to own a car. It’s one of the most cost-effective ways to get a vehicle, as long as you don't mind handing it back at the end of the agreement.
You put down monthly payments and get a brand new SEAT car, with the option to include servicing and maintenance too.
At the end of your PCH agreement, you hand the keys back and choose your next brand new SEAT car. PCH has no option to purchase at the end.
The main draws of SEAT PCH are that you get the latest models every few years, lower monthly costs and peace of mind servicing is included in your monthly payments.
SEAT PCH is perfect for anyone who wants to drive the latest SEAT cars and upgrade models every few years.
You typically get more for your money with PCH, and you’re backed up by SEAT’s warranties. This means you get the latest models & enjoy stress-free driving.
Once you’ve finalised your SEAT PCH agreement, your monthly payments are locked in.
They’re unaffected by interest rates too so you always know exactly how much you’re paying each month.
You can include servicing and maintenance as part of your repayments for extra peace of mind, with the cost rolled into your monthly payments.
This means you have one less thing to worry about during the duration of your SEAT PCH deal.
At Pentagon SEAT we’re here to help, whether you have questions about different types of finance or want to get your application started. Our team of accredited finance experts guide you through the process, then help to secure you a SEAT finance deal with fixed-rate payments with low or no deposit needed.
Your monthly payments and interest rates are fixed for the full term of your agreement. You know exactly how much you’re paying with Pentagon SEAT.
The majority of our SEAT finance deals only require a small deposit, with some offers needing no deposit at all. So you won’t have to put down a big payment for your ideal car.
The whole process is quick and convenient. There are no complicated forms to fill out when applying for finance at Pentagon SEAT. All we need is a few basic details at the time of the sale and you’re good to go.
We’re partnered with NewVehicle to make finding that perfect finance package even easier.
Find the car you want, input a few basic details and NewVehicle analyses your funding eligibility. It uses an advanced credit decision-making engine to predict your chances of being approved for SEAT finance from a list of lenders.
NewVehicle doesn’t affect your credit rating and is completely obligation-free.
You know you’re getting the best advice at Pentagon SEAT as we are Specialist Automotive Finance (SAF) Approved. This is our way of showing our continued commitment to high professional standards and motoring finance knowledge.
All Pentagon SEAT dealerships are SAF Approved. This means that any customer-facing team member involved with selling finance has completed and passed an SAF competence test.
Contact Pentagon for the latest SEAT finance offers on new and used cars. Find your local Pentagon SEAT dealership for a test drive or to speak with a finance specialist.
Finance is subject to status. UK residents aged 18 or over. Guarantees and indemnities may be required. Pentagon Motor Group is a credit broker and not a lender and is authorised by the Financial Conduct Authority for credit-related regulated activities and insurance distribution activities, FRN680108. Pentagon Motor Group is paid a commission for introducing you to a finance lender. This can be calculated in a number of ways including by model, age, whether the vehicle is new or used and the amount you borrow. The amount we are paid will not affect the amount you pay under the finance agreement, all of which are set by the lender.
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If you have a query relating to Discretionary Commission Agreements please email customer.care@pentagon-group.co.uk However, please note that if your query related to a purchase more that 7 years ago we will no longer hold any details due to our data retention policy.
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