PCH Leasing Calculator
Calculate your Personal Contract Hire car lease costs, compare terms, and understand mileage charges.
Personal Contract Hire Calculator
Work out your monthly lease payments and total cost of leasing
UK Car Leasing
Understanding PCH Car Leasing
What is PCH?
Personal Contract Hire (PCH) is a long-term car rental. You pay an initial rental upfront, then fixed monthly payments for 2-4 years. At the end, you simply return the car. You never own it, but enjoy driving a new car without the hassle of selling.
Initial Rental Options
- 3 months: Lower upfront cost, higher monthly
- 6 months: Most common, balanced
- 9 months: Higher upfront, lower monthly
- Sometimes shown as "3+35" (3 initial + 35 monthly)
Mileage Allowance
- Choose realistic annual mileage
- Average UK driver: 7,000-8,000 miles/year
- Excess charges: typically 5-15p per mile
- Better to slightly overestimate than pay excess
End of Contract
- Return car in good condition
- Fair wear and tear allowed (BVRLA standard)
- Damage charges may apply
- Option to lease a new car or walk away