Lease Purchase (PCP)


If you want a finance product with more flexibility, a Lease Purchase (Personal Contract Plan (PCP)) may be just what you need, enabling you to keep, exchange or return the vehicle at the end of the agreement.

More about our Lease Purchase(PCP) option...

Firstly, choose a repayment period and estimate your annual mileage. A fraction of the car’s value is deferred – this then becomes your optional final payment, also known as a ‘balloon’ payment. Based on your deposit, which could be as low as one repayment in advance, we’ll work out your regular fixed repayments.

At the end of the your Lease Purchase(PCP) agreement you have several options:

  • Purchase the car, by paying the final balloon
  • Part-exchange the car, using any equity towards your next vehicle
  • Sell the car privately, preserving any remaining equity once the balloon payment has been settled
  • Refinance the final balloon payment
  • Or, dependent the condition and mileage, return the car with nothing to pay

Want to find out more? Speak to one of our dedicated Account Managers today.


01604 669 341

Hire Purchase


A straightforward route to ownership. This is the perfect way to buy your supercar, collectible or prestige car if you want to work your way up to full ownership, spreading the overall cost over a fixed term.

More about our Hire Purchase...

With Hire Purchase, simply put down a deposit and the remaining balance is divided equally over the term of the loan.

With rates from as little as 4.9% APR, a hire purchase agreement can offer flexible payment terms with the added benefit of:

  • No large outlay. Payment is spread over 12-60 months means you can tailor the financial agreement to suit you.
  • Tax Advantages. If you are a business owner you have the ability to claim capital allowances on the vehicle.
  • Budgeting. Payments are regular fixed amounts which mean you can easily budget.
  • Certainty. The facility cannot be withdrawn, provided payments are made.
  • Ownership Option. At the end of the  agreement you may choose to purchase the equipment.

Want to find out more? Speak to one of our dedicated Account Managers today.


01604 669 341



With rates from 4.9% APR,  refinance allows you to release locked in equity from the car. These unlocked funds can then be used as you require, including consolidating existing finance agreement.

More about our Refinance options...

If you are running your own business, at some point you will come up across the need to invest in order to continue growing. But this can require a substantial amount of capital investment, and often you will find yourself unable to grow further without it. Unfortunately, banks are shoring up their defences against further lending, and the idea of dipping further into your overdraft makes your blood run cold. Surely there is a better way?

Portman are happy to be able to offer you an easy solution to that problem. We can help you find easier ways to raise capital by examining the potential already in your business. For example, you may have unused assets within the business, or you could refinance existing assets and release the equity held within them.

Want to find out more? Speak to one of our dedicated Account Managers today.


01604 669 341

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