Funding solutions explained Finance Options Flexible finance solutions help make your next vehicle feel more accessible and easier to budget for. Whether you prefer lower monthly payments or long term ownership, our finance specialists will guide you towards an option that suits your lifestyle and spending plans. Enquire About Finance

Financing solutions for your Changan car in Wiltshire

At Changan Swindon, we provide a range of finance products designed to make driving a new Changan straightforward and affordable. When exploring a family‑friendly Changan SUV, our team will explain each option clearly and help you choose a solution that works for you.

Personal Contract Purchase (PCP) remains one of the most popular ways to finance a vehicle. After paying an initial deposit, you make fixed monthly payments over an agreed term. Because part of the vehicle’s value is deferred until the end, monthly payments are often lower than other products. When the agreement finishes, you can have three options:

Return the vehicle.
Part exchange the vehicle.
Pay the optional final amount and take full ownership of the vehicle.

How does PCP actually work?

You pay a deposit followed by fixed monthly payments. At the end, you can return the car, part exchange it or pay the optional final balance to own it.

What are the advantages of PCP?

PCP offers lower monthly payments, flexible end‑of‑agreement choices and the freedom to change your vehicle regularly. It suits drivers who enjoy upgrading often.

What should you consider when choosing PCP?

Think about your annual mileage, your monthly budget and whether you plan to keep the vehicle long‑term. Also, exceeding mileage limits may lead to additional charges.

Can I settle my PCP agreement early?

Yes. You can typically request an early settlement figure. Our team will explain your options and outline any costs before you decide.

Find and finance your next vehicle through PCP

Hire Purchase (HP) is a simple finance option that divides the full cost of your vehicle into fixed monthly payments. After an initial deposit, you pay regular instalments for the duration of the agreement. Unlike PCP, there’s no optional final payment. Once all instalments are complete, the vehicle becomes yours. HP is ideal for drivers who want clear ownership and plan to own their vehicle long-term.

How does HP actually work?

You pay a deposit followed by fixed monthly payments over an agreed term. When the final payment is made, the vehicle is yours to keep.

What are the advantages of HP?

HP offers a straightforward structure, predictable payments and guaranteed ownership at the end, with no large final payment to consider.

What should you consider when opting for HP?

Monthly payments are usually higher than PCP because you’re financing the vehicle’s full value. However, you gain outright ownership once the agreement ends.

Can I settle my HP agreement early?

Yes. Most HP agreements can be settled early. Contact our team for a personalised settlement figure and clear guidance.

Changan finance offers are subject to status and terms and conditions.

Both options allow you to settle early, with the possibility of paying off the agreement ahead of schedule.

At AMG Changan, we’re here to find the right car and financing plan that suits your lifestyle. Get in touch today to explore your options.

Find and finance your next vehicle through HP

Company info

Allen Ford UK Limited

Reg Office: Tachbrook Park Drive Warwick Warwickshire CV34 6SY

Reg. Company Number: 04782818

VAT Reg. No. 203 1428 62

Data Protection No. Z9340106

Financial Disclosure

Allen Ford UK Limited are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 710890 Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We do not charge you a fee. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay us commission at different rates. The amount of commission we receive does not affect the amount that you pay under your credit agreement. A customer may ask for commission disclosure at any time from our initial discussions through to the point when their agreement is set live..