Looking to keep your options open? Personal Contract Purchase lets you make low monthly repayments by deferring a significant proportion of the total amount of credit to the optional final repayment at the end of the agreement. Once we’ve approved the finance application and you have signed the agreement, it’s yours to ride away. And when you get to the end of your agreement, you decide on the best option for you: keep it, trade it in, or return it.
Based on your initial deposit, your estimated annual mileage, chosen model and the length of your agreement, we calculate the predicted end value of your bike (also known as the guaranteed future value, GFV). The bike’s predicted value is guaranteed to be at least equal to that of the deferred final payment.
We then deduct the deposit and predicted value from the price of the bike you’re buying today. The remaining balance and interest is then split over the length of your agreement, giving you low, fixed monthly repayments.
At the end of your PCP agreement, you have three options:
Terms and conditions
Credit is subject to status and is only available to UK residents aged 18 and over. Suzuki Finance is a trading style of Suzuki Financial Services Ltd, St. William House, Tresillian Terrace, Cardiff, CF10 5BH. With Personal Contract Purchase (PCP) you have the option after you have paid all of the regular monthly payments to:
(1) Return the vehicle and not pay the Optional Final Payment. In this example if the vehicle has exceeded the maximum agreed mileage, a charge of 7.2p (including VAT at 20%) will apply per excess mile. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.
(2) Pay the Optional Final Repayment to own the vehicle or
(3) Part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.