West End Garage Škoda Finance
Compare Personal Contract Purchase, Hire Purchase and Personal Contract Hire for new and eligible used Škoda cars. Our teams can explain the available options and provide a personalised quotation based on your chosen car, deposit, term, mileage and circumstances.
View Current Škoda OffersSearch New and Used CarsRequest a Finance QuoteThe right way to fund a car depends on whether you want to own it, change it regularly or simply return it at the end of an agreed rental period. This comparison provides a general guide; our finance team can explain the terms of a specific quotation.
| Comparison | PCP | HP | PCH |
|---|---|---|---|
| Ownership | Optional after paying the optional final payment and any applicable option-to-purchase fee. | Ownership follows after all required payments and any applicable option-to-purchase fee. | No ownership option. The car is returned at the end. |
| Payments | Deposit, monthly payments and an optional final payment if you keep the car. | Deposit followed by monthly instalments covering the financed amount and interest. | Initial rental followed by fixed monthly rentals. |
| Mileage | An annual mileage is agreed. Charges may apply if the car is returned over the agreed mileage. | There is normally no contractual mileage limit. | An annual mileage is agreed and excess-mileage charges may apply. |
| End of agreement | Keep, change or return the car, subject to the agreement terms. | Keep the car after completing all required payments. | Return the car subject to mileage, condition and agreement terms. |
| Could suit | Drivers who value flexibility and may want to change cars regularly. | Drivers intending to keep their car after the agreement. | Drivers who prefer a fixed-term rental without ownership. |
PCP
Flexibility to keep, change or return your Škoda at the end of the agreement.
Personal Contract Purchase normally combines a deposit with fixed monthly payments and an optional final payment. The optional final payment is based partly on the car's anticipated value at the end of the agreement. An agreed term and annual mileage are used when preparing the quotation.
CHANGEPart-exchange the car and arrange another vehicle, subject to valuation and settlement.
KEEPPay the optional final payment and any applicable option-to-purchase fee.
RETURNReturn the car, subject to the agreed mileage, condition and contract terms.
PCP may suit customers who prefer lower monthly payments than an equivalent HP agreement and value having choices at the end. Excess-mileage, condition and other charges may apply when a vehicle is returned, so always review the specific agreement before proceeding.
View Current Škoda PCP OffersHP
A straightforward route towards owning your Škoda.
With Hire Purchase, you normally pay a deposit followed by fixed monthly instalments over an agreed term. The payments cover the financed amount and interest. After all required payments and any applicable option-to-purchase fee have been made, ownership passes to you.
OWNERSHIPDesigned for customers who intend to own the car after completing the agreement.
FIXED PAYMENTSMonthly instalments are fixed for the agreed term, subject to the contract.
NO AGREED MILEAGEHP does not normally include a contractual annual mileage allowance.
Monthly payments may be higher than PCP because more of the vehicle's price is repaid during the agreement. You cannot sell the car before the finance has been settled. If you wish to end or settle an agreement early, contact the finance provider for an up-to-date settlement figure and details of the available options.
Request a Personalised HP QuotePCH
A fixed-term rental for customers who do not need to own the car.
Personal Contract Hire is a rental agreement. You make an initial rental followed by fixed monthly rentals over an agreed term. You also agree an annual mileage. At the end of the contract, the car is returned and there is no ownership option.
FIXED RENTALSAn initial rental is followed by agreed monthly rentals.
AGREED MILEAGEYour expected annual mileage forms part of the agreement.
RETURN THE CARThe vehicle is returned at the end, subject to mileage and condition terms.
PCH may suit customers who prefer to change their car regularly and do not want ownership. Excess-mileage, condition and early-termination charges may apply. Maintenance options may be available with some quotations.
View Škoda PCH OffersFor companies and business drivers
Business customers may have access to additional funding arrangements. Availability, accounting treatment and tax considerations depend on the product and individual business circumstances, so professional tax or accounting advice may be required.
A rental agreement that does not lead to ownership. Depending on the agreement, a business may have the opportunity to share in qualifying sale proceeds or enter a secondary rental period.
LP
An agreement designed to lead to ownership, with part of the cost deferred to a final repayment. Product availability and terms should be confirmed with our business team.
Finance may be available on new and eligible used Škoda cars, subject to status, vehicle eligibility and lender criteria. Current offers can change, so use our offer pages for published finance examples or contact us for a quotation based on the exact car you are considering.
View current model offers, representative finance examples and available incentives across the new Škoda range.
View New Škoda OffersBrowse available Škoda cars and ask our team whether finance is available for the vehicle you have selected.
Search Škoda CarsContact your nearest West End Garage Škoda team. We support customers across Edinburgh and the Lothians, Dunfermline, Fife and Perthshire, Stirling, Falkirk and Central Scotland.
Supporting customers across Edinburgh, Midlothian, West Lothian and the wider Lothians.
Call 0131 453 2244Contact EdinburghSupporting customers across Dunfermline, Rosyth, Kirkcaldy, Fife and Perthshire.
Call 01383 623006Contact DunfermlineSupporting customers across Stirling, Stirlingshire, Falkirk, Perthshire and Central Scotland.
Call 01786 813433Contact StirlingDepending on the vehicle, eligibility and current product availability, options may include Personal Contract Purchase, Hire Purchase and Personal Contract Hire. Business customers may have access to additional finance or leasing products.
PCP defers part of the vehicle cost to an optional final payment and provides choices at the end of the agreement. HP spreads the financed amount and interest across the agreement and is designed to lead to ownership after all required payments are completed.
Not automatically. To own the car, you must pay the optional final payment, any applicable option-to-purchase fee and meet the agreement terms. You may instead change or return the car, subject to the contract.
Ownership normally passes to you after all required instalments and any applicable option-to-purchase fee have been paid and the agreement obligations have been met.
No. Personal Contract Hire is a rental agreement without an ownership option. The vehicle is returned at the end, subject to the agreed mileage, condition and contract terms.
Finance may be available on eligible used Škoda cars, subject to the vehicle, finance provider, status and lending criteria. Contact us with the details of the car for a personalised quotation.
You can ask the finance provider for a current settlement figure and an explanation of the options available under your agreement. The amount and process will depend on the product, timing and contract terms.
Factors can include the vehicle price, deposit or initial rental, agreement term, annual mileage, interest rate, optional final payment, part-exchange equity, product type and applicant circumstances.
West End Garage Škoda has teams in Edinburgh, Dunfermline and Stirling. Contact your nearest location to discuss available products and request a quotation for a new or eligible used Škoda.
For more detailed manufacturer information, use the official Škoda UK product guides. These links open information held and maintained by Škoda UK.
Official PCP GuideOfficial HP GuideOfficial Contract Hire GuideOfficial Finance Lease GuideOfficial Lease Purchase Guide
4 Cultins Road, Sighthill, Edinburgh
EH11 4DG
Telephone: 0131 453 2244
Unit 2, Halbeath Motor Park, Crossgates Road,
Halbeath,
Dunfermline KY11 7EG
Telephone: 01383 623006
Forthside Way, Stirling
FK8 1QZ
Telephone: 01786 813433
West End Garage, 4 Cultins Road, Edinburgh
EH11 4DG, Scotland
West End Garage trades as a Partnership
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Copyright © 2026 West End Garage All rights reserved.
West End Garage Škoda is a trading style of West End Garage. We are a credit broker, not a lender.
West End Garage is authorised and regulated by the Financial Conduct Authority for credit broking and insurance distribution activities. Firm Reference Number 672010.
We can introduce you to a limited panel of lenders and do not search the whole market. Finance is subject to status, affordability checks and lender approval. UK residents aged 18 or over only. Terms and conditions apply.
We may receive commission from a lender. The nature and amount of commission may vary by lender and finance product. Before you enter into an agreement, we will explain any relevant commission and how it may affect the amounts payable. The amount, or likely amount, is available on request.
Registered Office: West End Garage, 4 Cultins Road, Edinburgh, EH11 4DG.
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