Couple of points on PCP you can hand the car back at any point once you have made 12 the total payments this is a legal requirement . So you don ' t need to sell the car , or for it to be worth more than outstanding loan , but if you done extra miles etc . You will have to pay whatever the fee is . Secondly there is nothing inherently wrong with PCP and it ' s very weird that you think that it ' s a con whereas leasing is a great deal . They are just finance products PCP actually gives you greater flexibility to exit early than a lease does , but you tend to be tied to the finance deals on offer by the car seller and sometimes the interest rates make them more expensive than leases , sometimes not . E . g . Right now leases are better value on land rovers because the LR garages charge 6 . 9 % interest , but Some BMW models are cheaper on PCP than lease because they have lower rates 2 . 9 % and some cars I ' ve seen have 0 % on PCP . putting a decent deposit down and getting a personal loan is almost always the cheapest way to buy a car PCP vs lease check specific deals , they each can be cheaper than the other in certain circumstances . Getting out of PCP is easier .