Personal Contract Purchase (PCP) explained:
Personal Contract Purchase (PCP) can help you to buy your dream Ducati with lower monthly repayments than a Hire Purchase (HP) product as a large proportion of the amount you repay is deferred into an optional final repayment. You will pay more interest on a PCP agreement than a HP agreement for the same loan amount, term and Annual Percentage Rate of Charge (APR) as your balance reduces more slowly due to the optional final repayment.
You will decide an initial deposit, term and how many miles you’ll ride each year.
The monthly repayment amount and the optional final repayment amount will be calculated based on the anticipated value of the Ducati at the end of the agreement.
At the end of your agreement, you have three options; part exchange your Ducati (new agreements, subject to status), return the Ducati (return conditions apply), or pay the option final repayment and own the Ducati.
PCP Representative Example based on a new Panigale V2S (MY25) in Red with an annual mileage of 4,000
*Optional Final Repayment includes Option to Purchase Fee of £10
*Credit is subject to status and is only available to UK residents aged 18 and over. This finance offer is only available through Ducati Financial Services which is a trading style of Black Horse Ltd, St. William House, Tresillian Terrace, Cardiff CF10 5BH. Finance offer ends 31st December 2024. The Cash Price shown above includes 1st registration fee and road fund licence. With Personal Contract Purchase (PCP) you have the option after you have paid all of the regular monthly repayments to:
(1) Return the motorcycle and not pay the Optional Final Repayment. In this example if the motorcycle has exceeded 12,333 miles, a charge of 7.2p (including VAT at 20%) will apply per excess mile. If the motorcycle is in good condition (fair wear and tear accepted) and has not exceeded 12,333 miles you will have nothing further to pay. (2) Pay the Optional Final Repayment to own the motorcycle or (3) Part exchange the motorcycle subject to settlement of your existing finance agreement; new finance agreements are subject to status.
Figures are correct at time of print and can be subject to change
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