XC40 Volvo with grey backdrop.

VolvoPersonal Contract Hire

With low monthly payments and flexible terms available across the range, driving a brand-new Volvo has never been easier.



Frequently asked questions

What is personal contract hire?

Personal contract hire (PCH) is the long-term personal lease of a brand-new vehicle. Unlike personal contract purchase (PCP), the vehicle cannot be purchased at the end of the contract.

What does the fixed monthly payment include?

Road tax is included in the monthly payment. It doesn't include insurance or any servicing or MOT costs.

What happens at the end of the contract?

You return the car to us or take out a new personal contract hire lease. When you hand it back, we'll check the car for damage. Charges may be incurred for damage that's not classed as general fair wear and tear.


Terms and Conditions

Personal contact hire finance rep example for Volvo XC40 2.0 B3P Core 5dr Auto. £399 per month, £399 initial rental, contact mileage 32,000, term (months) 48, excess mileage charge 14.9p per mile. Arnold Clark Automobiles Limited is authorised and regulated by the Financial Conduct Authority ( 308092 ) for general insurance and consumer credit purposes. We act as a credit broker sourcing credit to assist with your purchase from a carefully selected panel of lenders. Lenders will pay us a fee for these introductions ( click here for details including our panel of lenders and disclosure statement). Offers subject to status, terms and conditions.