Land Rover Finance

Robust vehicles such as Land Rovers require robust financial solutions, which is why Land Rover Financial Services offer five finance plans for its customers to choose from depending on whether you prefer to own or hire the Land Rover of your choice.  

We also welcome your current vehicle in part-exchange, which can be used as all or part of your deposit towards your new or used Land Rover. Find out more here or contact one of our Land Rover Retail Centres in Carlisle, Ripon, York or Kelso - serving Cumbria, North Yorkshire and Scotland.

Personal Contract Payment (PCP)

Land Rover Freedom, the PCP plan, benefits from the impressive residual values of Land Rovers which result from their lower depreciation rates.  Through PCP, the fact that a proportion of the vehicle’s value is left until the end of the agreement as the Predictive Value (PV) means that you can choose a flexible approach to your deposit and monthly payments to suit you.  At the end of the agreement you have three choices:

  • Subject to settlement of your existing credit agreement you can then choose another Land Rover from your retailer and start a new credit agreement for that vehicle.
  • Simply hand back your vehicle without making the final payment (if the vehicle is in good condition and has not exceeded the contracted mileage).
  • Pay the Predictive Value and fees as your final lump sum and the vehicle is yours.

Personal Contract Hire (PCH)

With a low initial rental and regular monthly payments, you rent the Land Rover for a convenient term with a maximum mileage and maintenance included if desired, handing the car back at the end of the period.


Hire Purchase (HP)

Spread the full cost of your Land Rover over fixed monthly payments for the required term.  At the end of the term, the vehicle is yours.
Land Rover Advance Payment Plan (APP)
Similar to PCP, but instead you pay a larger upfront amount and no monthly payments.  At the end of the agreement you pay the vehicle’s Guaranteed Minimum Future Value (and interest if applicable) to own it or return the vehicle.

Balloon Payment

A cross between PCP and HP, you defer a proportion of the payment to the end of the agreement, but you are committed to making that payment at the end to own the vehicle.

Advance Payment Plan (APP)

With only one upfront payment, and the rest of the vehicle cost deferred until the end of the agreement, you get a cost effective plan to own your Land Rover.


Business Contract Hire (BCH)

Offering company car drivers, business owners and fleet managers a hassle-free fixed price rental plan over a convenient agreed period with the addition of vehicle maintenance costs if required.

Finance packages are subject to status and terms and conditions apply.  Lloyd Motors Ltd is authorised and regulated by the Financial Conduct Authority (FRN 308524).

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