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Funding Solutions Explained

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Below we outline the finance products available to you to fund your new car purchase. Our team are available to assist you with any questions you may have, whether up front, or throughout your buying journey

Tailor your finance

CUPRA Finance Options

At Ingram Motoring Group, we offer flexible finance solutions across the full CUPRA range, including new and used vehicles. Our trained specialists will help you compare options clearly — whether you’re choosing a practical SEAT or a performance-focused CUPRA.

While the finance process is shared, our team will tailor your agreement to the model, mileage and ownership plan that suits you best.

Finance options for CUPRA vehicles

Personal Contract Purchase (PCP)

  • Available across new and used CUPRA models
  • Lower monthly payments with flexible end-of-agreement options
  • Popular for drivers who like to change vehicles every few years

Hire Purchase (HP)

  • Fixed monthly payments over an agreed term
  • Suitable for CUPRA drivers planning to keep their vehicle long-term
  • No optional final payment at the end

Personal Contract Hire (PCH)

  • Leasing option on selected CUPRA models
  • Fixed rentals for an agreed mileage and term
  • Vehicle is returned at the end of the agreement

Used CUPRA Finance

  • Finance available across Approved Used and other used vehicles
  • Choose a deposit and term to suit your monthly budget
  • All options explained clearly before you commit
Ingram

What is Personal Contract Purchase (PCP)?

Personal Contract Purchase (PCP) is a popular finance option available across new and used CUPRA models, offering flexible monthly payments and clear choices at the end of the agreement.

With PCP, you usually pay an initial deposit followed by fixed monthly instalments over an agreed term, typically between 18 and 48 months.

Unlike Hire Purchase (HP), your monthly payments are based on the expected depreciation of the vehicle rather than its full value, which often results in lower monthly payments.

At the end of the agreement, you can choose to pay the optional final payment — often referred to as the Guaranteed Minimum Future Value (GMFV) — to keep your CUPRA, or explore options such as part-exchanging into another model or returning the vehicle, subject to mileage and condition.

Once you’ve chosen your CUPRA, you’ll agree an annual mileage and finance term with one of our trained Business Managers.

Based on the agreed mileage and term, we’ll calculate the Guaranteed Minimum Future Value (GMFV) of the vehicle and structure a deposit and monthly payment that suits your budget.

At the end of your PCP agreement, you’ll have three clear options:

  • Return – Hand the vehicle back, subject to mileage and condition.
  • Retain – Keep your CUPRA by paying the optional final payment (GMFV).
  • Renew – Part-exchange into another CUPRA model.

  • Monthly payments are often lower than with a traditional Hire Purchase (HP) agreement.
  • You’re only financing the expected depreciation of the vehicle, not its full value.
  • Ideal if you like to change your CUPRA every few years.
  • Flexible end-of-agreement options: return, renew, or keep the car.
  • If your vehicle is worth more than the GMFV, any equity can be used towards your next CUPRA.

  • If you choose to keep the vehicle, you’ll need to pay the optional final payment (GMFV).
  • An annual mileage is agreed at the start; excess mileage charges may apply if this is exceeded.
  • You won’t own the vehicle until all payments, including any final payment, are made.
  • The vehicle must be kept fully insured, maintained, and in good condition throughout the agreement.
  • The vehicle cannot be sold without settling the finance first.

In most cases, you can settle your PCP agreement early by requesting a settlement figure from the finance provider.

The settlement figure will be based on the outstanding balance compared with the current value of your CUPRA. If the vehicle is worth less than the amount owed, this is known as negative equity.

Alternatively, if your vehicle is worth more than the Guaranteed Minimum Future Value (GMFV), you may have positive equity that can be used towards your next CUPRA, subject to lender terms and status.

Find and finance your next vehicle through PCP
Ingram

What is Hire Purchase (HP)?

Hire Purchase is a way to finance buying a new or used car. You will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends, and you own the car outright.

  • You’ll be able to drive away a car that you may not have managed to buy outright.
  • Unlike a PCP or PCH contract, you won't need to estimate your mileage at the start of your Hire Purchase agreement, so you'll avoid excess mileage charges.
  • Once you’ve made your final monthly payment, including the option to purchase fee, you'll have full ownership of the car.

  • Monthly payments may be higher than some other finance options, such as PCP, as you're paying off the full value of the car.
  • You won’t be able to sell the car without settling the finance.
  • You won’t own the car until you have made all of your repayments.
  • You’ll need to keep the car properly insured, maintained and in your possession until the full value is paid off.

The short answer is yes, you can end your finance early. There are different provisions within each finance agreement that allows you to do just that. If you have got through two-thirds of the way through your finance agreement, the options to end the finance agreement early open up.

For a Hire Purchase agreement, there is an option of paying it off early through a settlement fee. A settlement fee covers the cost of any remaining unpaid instalments and interest payments remaining on the agreement. Once the settlement fee is paid, you take full ownership of the car early.

Under a Personal Contract Purchase agreement, you can also pay a settlement fee for bringing the agreement to an end early. After that, you can choose to hand the car back or you have a second option. Through a PCP agreement, you can take full ownership of the car by paying off the remaining Guaranteed Minimum Future Value also known as a balloon payment.

Find and finance your next vehicle through HP