Family by Volkswagen Vehicle

Personal finance

Solutions is the smart way to keep your options open. And you may be pleasantly surprised by which car you can afford. Our Personal Contract Plan (PCP) allows you to make payments over a period of time, which may be a more flexible alternative to Hire Purchase. We’ll agree a future value on your vehicle up front based on how much you drive meaning you won’t need to worry about the vehicles future value. First you pay a deposit you can choose to put down a small sum initially and then defer a proportion of the vehicle’s value until the end of the agreement, which could reduce your payments. Then you make small fixed monthly payments for 18-48 months at the end of your contract you have 2 options:

SOLUTIONS (PERSONAL CONTRACT PLAN)

Interested in a more flexible form of Hire Purchase with options to buy, return or upgrade? A Solutions Personal Contract Plan could work for you.

Solutions (PCP): allows you to make payments over a period of time, which may be a more flexible alternative to Hire Purchase. You can choose to put down a small sum initially and then defer a proportion of the vehicle’s value until the end of the agreement, which could reduce your payments and allows you to decide later whether you want to keep, return or exchange the vehicle for a new one.

SPEAK TO A SPECIALIST

Salesmen giving person keys
Person Sat at a desk on a computer

HIRE PURCHASE

Hire Purchase is still one of the easiest ways to buy a vehicle outright and match the payments to your budget. See if it works for you.

Hire Purchase: a straightforward way to pay for your Volkswagen. You make an initial payment, then the balance is spread equally over one to five years helping you to select instalments that match your budget. At the end of the agreement, once you have made all the payments (including the option to purchase fee) you own your vehicle.

SPEAK TO A SPECIALIST

About Us

Sinclair Group is one of the UKs leading automotive retail groups, delivering exceptional vehicle sales, finance, and aftersales service across Wales and the West of England.

Sinclair Garages Limited is authorised and regulated by the Financial Conduct Authority (ref: 305925). Our other group companies , Sinclair Garages (Bridgend) Limited, Sinclair Garages (Newport) Limited, Sinclair Garages (Cardiff) Limited and Sinclair Garages (Swansea) Limited, are Appointed Representatives of Sinclair Garages Limited. You can check this on the FCA's register by visiting the FCA's website www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768. Our permitted business is the supply of motor vehicles and associated products and services, including Finance and Insurance. We are a Credit Broker not a Lender. We do not charge for this service but will receive a commission from our finance partners. The nature of the commission is either fixed flat fee or fixed percentage of the balance funded. 

© 2026 Sinclair. All Rights Reserved. Sinclair Group is the brand name for all of our limited companies. Registered in England and Wales. Registered Address: Sinclair Group | Old Field Road | Bocam Park | Pencoed | CF35 5LJ. Registered number: 1192572.

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