Skip to main content

What is Personal Contract Hire?

Personal Contract Hire (PCH) is a long-term leasing arrangement. This means that although you won’t own the car or vehicle at the end of your contract, you’ll be making a fixed monthly rentals whilst you use it.

How does PCH work with Stellantis Financial Services?

Stellantis Financial Services offers PCH on new vehicles across a number of manufacturers within our brand network. We also offer contract hire on selected used vehicles. 

Personal Contract Hire in three stages:

1. Pay the advanced rental

You will pay an advanced rental fee when ordering the vehicle. This is agreed when ordering your vehicle and can be discussed further with your retailer.

2. Agree a mileage allowance

You will agree this allowance per year which will help determine your monthly rental payments to lease the vehicle over your agreed contract period.

3. Enjoy until time to return

At the end of the contract, you’ll return the vehicle to us and pay any excess mileage and/or damage charges.

Features & Benefits of Personal Contract Hire

  • You’ll receive a budget-friendly contract tailored to your requirements
  • No depreciation risk
  • A wide range of manufacturers to choose from
  • A longer-term leasing agreement


What’s included in a PCH agreement with Stellantis Financial Services? 

The Vehicle Excise Duty is included within your monthly rentals meaning that we will pay the amount due directly to the DVLA as the Registered Keeper of the vehicle. If the Vehicle Excise Duty increases during the term of your agreement, we will require you to pay the difference. Alternatively, we will credit you the difference if the cost is reduced.

The cost of servicing, maintenance and insurance are costs not included within the monthly rental. It would therefore be your responsibility to ensure that any work is carried out by an approved Retailer. In addition, if the term of your agreement extends beyond the statutory period of a MOT (currently 3 years from the date of registration), you are responsible for ensuring that the vehicle has a valid MOT certificate. 

To find out more about the Personal Contract Hire offers available view our manufacturer websites or visit an approved Retailer

Personal Contract Hire for Business

Stellantis Financial Services are pleased to offer Personal Contract Hire for Business users. To find out more, visit your local retailer. 

Find a Retailer

Please select


Are you ready to feel the adrenaline in every ride?

View the range and browse finance offers online, in addition to configuring your vehicle and booking a test drive.

Alfa Romeo

Looking for best-in-class performance, without compromising the pure Italian style? Configure your Alfa Romeo today.

Browse available finance offers and request a quote online. Alternatively, locate your local retailer for further details.


Are you ready to find a Citroën that suits your style and personality?

View finance offers, configure your vehicle and order online today.

DS Automobiles

Considering entering the world of haute couture but want to discuss your finance options further?

Your local retailer will be happy to discuss your options.


Crafted with iconic style, FIAT have a range of vehicles to keep you on the move.

Configure your vehicle and get a quote online or visit your local retailer for further details.


If a 4x4 is the style you're looking for with uncompromised performance, Jeep® has you covered.

Build, price and view online using the Jeep® virtual demo tool or visit your local retailer for a test drive and further information.


If you're looking for a car that's unique by design and innovative in nature then Maserati is for you.

Build your vehicle online, book a test drive or locate your nearest dealer today.


Whether you're looking for a compact city car or a larger SUV, Peugeot has something for you.

Configure your vehicle, get a part exchange valuation and apply for finance online. Alternatively, visit your local retailer for further information.


There's a Vauxhall to suit every need, including those looking for a fully electric vehicle.

Browse, configure, apply for finance and order online, or visit a local retailer for more information.