Fiat Financing Solutions

Personal Finance Options

Whether you've set your heart on the All-Electric 500, or you're eyeing up a 500 hybrid, our finance plans are an easy way to get you on the road. Simply choose the plan that suits your budget, lifestyle and needs.

Financing

Personal Contract Purchase (PCP)

WHAT IS PCP?
A popular way to drive a new Fiat every 2, 3 or 4 years. Monthly payments are fixed with an Optional Final Payment which is determined by your contract duration and agreed annual mileage at the beginning of your contract.

WHAT ARE THE FEATURES & BENEFITS OF PCP

Fixed monthly payments allowing you to budget with confidence
A variety of options at the end of the contract, providing you with flexibility
Eventual ownership if you decide this is the best option for you at the end of your contract

HOW DOES PCP WORK?

Choose your Fiat car
Decide the amount of deposit you wish to pay (between 0-40% of the car price)
Confirm your estimated annual mileage (between 6,000 and 30,000)
Decide how long you wish to keep your Fiat car (25, 31, 37 or 48 months)
Make fixed monthly payments for the duration of your contract
At the end of the contract choose which option suits you best

WHAT HAPPENS AT THE END OF THE CONTRACT?
You have 3 options

Keep your Fiat car and pay the Optional Final Payment
Return your Fiat car to Stellantis Financial Services with nothing further to pay (subject to condition and mileage criteria being met).
Part-exchange and drive away another new Fiat car

HOW DO I CHOOSE MY ANNUAL MILEAGE?
When you're working out your annual mileage try and base it on what you have done in the past. Make your allowance generous and then you can really enjoy the time you spend behind the wheel of your new Fiat.

Going over your limit
If you do go over your agreed annual mileage limit and decide to hand your car back to Stellantis Financial Services, then you’ll need to pay an excess mileage charge. This is calculated on a pence-per-mile basis and will be shown on your finance quote and contract.

Going under your limit
If you cover fewer miles than you anticipate, your car might be worth more than originally estimated, which means that you might have some equity to put towards your next new Fiat car.

Conditional Sale (CS)

WHAT IS CS?
This is a straight-forward arrangement to fund your car with a fixed term and interest rate. You determine the level of deposit required, even nil deposit if you wish and there is no link to your annual mileage. At the end of the contract, when the final monthly payment has been made, ownership passes to you.

WHAT ARE THE FEATURES AND BENEFITS OF CS?

Fixed monthly payments allowing you to budget with confidence
No link to annual mileage, you can enjoy driving your car unrestricted
Automatic ownership when all your monthly payments have been made allowing you to take the full profit on any resale

HOW DOES CS WORK?

Choose your Fiat car
Decide the amount of deposit you wish to pay, anything from zero
Choose a monthly repayment/contract length to suit you
Make fixed monthly payments for the duration of your contract
At the end of your contract enjoy the benefit of owning the car outright

Personal Contract Hire (PCH)

WHAT IS PCH?
This is a hire contract ideal for you if ownership isn’t important. You pay an initial rental, agree your annual mileage and decide how long you’d like to drive your car for (anything up to 5 years). Rentals will be fixed for the duration of the contract. At the end of the contract you return the car with nothing further to pay (subject to mileage and condition).

WHAT ARE THE FEATURES & BENEFITS OF PCH?

Fixed monthly rentals allowing you to budget with confidence
At the end of the contract hand the vehicle back with no depreciation risk associated with owning a car.

HOW DOES PCH WORK?

Choose your Fiat car
Decide the amount of your initial rental
Confirm your estimated annual mileage (between 5,000 and 50,000)
Decide how long you wish to keep your Fiat car (anything between 18 months and 5 years)
Make fixed monthly rentals for the duration of your contract
At the end of the contract simply hand your car back with nothing further to pay (subject to mileage and condition)

HOW DO I CHOOSE MY ANNUAL MILEAGE?
Basing your future mileage on your previous mileage is a good starting point. However make sure you add a little to this to make sure you can have extra time driving your New Fiat. If you do go over your agreed annual mileage limit you’ll need to pay the excess mileage on a pence per mile basis. This is specified up front in your rental contract, therefore you’ll know from day one any additional costs you may need to pay for going over your agreed limit