Cupra tavascan electric vehicle obtained from financial services, parked in front of modern architecture and two people.

Personal Contract Plan (PCP)

Car Loan Type

Financing*

Down Payment

Flexible

Monthly Rate

Fixed, particularly low, but higher final payment

Duration**

Between 36 and 48 months

Mileage Restriction

New Cars: 60,000km at contract end.
Used Cars: 50,000km - 200,000km at contract end

End of Contract:

Option 1. Upgrade to a new vehicle and start your PCP journey again. 

Option 2. Make a one-off payment or re-finance the final instalment and take ownership of the car. 

Option 3. Return your car to the dealer with no future payments (subject to wear and tear).

Hire Purchase

Car Loan Type

Instalment Loan

Down Payment

Flexible

Monthly Rate

Fixed

Duration**

Flexible between 12 and 60 months

Mileage Restriction

Unlimited

End of Contract

Once you make your final payment, you become the owner of the vehicle.

Operational Leasing

Car Loan Type

Operational Leasing

Down Payment

None

Monthly Rate

Fixed

Duration**

Flexible Personal between 12 and 48 months. Business between 24 and 60 months.

Mileage Restriction

Restricted

End of Contract

Return the vehicle (subject to fair wear & tear) and lease a new one should you wish.

Enjoy a new CUPRA without the commitment of ownership, perfect for both business contract hire and personal use.

Person checking car financial services offers on mobile phone with buildings in the background.

Check Out Our Latest Offers

Find the best deals on financing and leasing your CUPRA, including electric and hybrid models.

Driver using the infotainment system inside a cupra car obtained through financial services.

Why Choose Financial Services?

Flexible Financing: Customisable plans for business contract hire, personal finance and more.

 

No Ownership Pressure: Operating Lease lets you drive without ownership worries.

 

Tailored for Fleet Managers: We offer specialised solutions designed to help companies operate smoothly. Discover why CUPRA vehicles are preferred by fleet managers.

 

Sustainability Options: Financing for electric and hybrid CUPRA models.

FAQs

How does the Operating Lease service work?

The Operating Lease service offers you a monthly payment contract that will allow you to enjoy your CUPRA, as well as all the services you need to drive the vehicle (insurance and complementary repair service plan, maintenance plan, tyre plan, fuel card...). Each of the monthly rentals includes all of these services, so you will be able to use the car as if it were your own, but with more added benefits and a more affordable payment method.

Do I need to make a downpayment when hiring the Operating Lease service?

You choose. You can contract the  Lease service with no down payment or with a down payment of up to 30% of the car's value, depending on the rental you wish to pay each month. 

How long is the Operating Lease payment period?

Kindly refer to your local CUPRA retailer.

Is there an annual mileage limit?

Yes, usually there is a mileage limit for lease products. Kindly contact your local retailer for more information.

Can I keep the CUPRA vehicle at the end of my agreement?

At the end of the contract, normally you have some options. Kindly contact your local retailer for more information.

Do I have to make a final payment at the end of my contract hire agreement?

No, at the end of the agreement you will return the vehicle back without any optional final payment.

What does the service include?

Leasing is normally fully inclusive of maintenance & service, however insurance is optional. Even though, each product offering varies therefore we recommend contacting your local retailer for the latest information.

How do I pay the monthly rental?

Each month you will receive the corresponding charge to your bank account.

Can I leave the country with the car?

Please check the regulations with your local CUPRA retailer.

If I'm a company, can I contract this service?

Yes, the Operating Lease service is aimed at private and business users and the self-employed.

Where can I hire this service and what documents do I need?

To hire the service, you can go to your nearest CUPRA retailer with your personal and financial documents. Please enquire with your local CUPRA retailer about the specific documents required.

Or, you can apply online at: https://cupraofficial.vwfsi.com/

What happens if I have an accident?

With the CUPRA Operating Lease service, you have roadside assistance 24 hours a day.

Can my partner or any another person drive the car, or just me?

Please contact your local retailer for further information on the leasing/rental rules and national laws.

Can I claim the rentals on my taxes?

Please contact your local retailer for further information on the leasing/rental rules and national laws.

Can I test drive the CUPRA vehicle first?

Yes, of course. You can request a test drive at your nearest retailer via our online booking tool: Book now

What happens if my request is not granted?

If your request is not granted, it will be cancelled at no cost to you whatsoever. If you would like us to help you find other ways of enjoying your new CUPRA, please contact your nearest retailer.

Can I cancel the Leasing contract?

Cancellation of the Leasing service before the end of the contract is possible, although an early termination penalty is charged.

Is Operating Lease worthwhile as a private individual?

Operating Lease is not only for business people but is also enjoying increasing popularity among private individuals. Advantages are obvious: consistently low monthly payments and no used car risk. In addition, you receive a cutting-edge vehicle without having to pay the full purchase price.

Can I freely configure my CUPRA when leasing?

Yes, you can configure your dream CUPRA online here.

How long do I have to wait for my leased vehicle?

You can either choose from a large selection of new cars that are immediately available, or you can configure your vehicle to meet your needs. Please note possible waiting times, for more information please contact your local retailer.

What happens if I drive more (or less) miles than expected?

There is usually a fee to be paid if one exceeds the mileage limitation, but this can be confirmed by your local retailer.

Do I have to expect high additional costs for signs of use when I return the lease?

No. Normal signs of use and minor damage, which correspond to the usual signs of use, are usually not objected to. In the event of major damage and defects that, according to the expert, go beyond the normal signs of use, the amount by which the vehicle value was reduced must be replaced.

Do I have to insure my leased CUPRA myself?

Even with a leased vehicle, you have a free choice of insurance for your vehicle.

Is comprehensive insurance compulsory?

In accordance with the leasing terms and conditions, a fully comprehensive insurance is mandatory. However, please contact your local retailer to find what your options are.