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Personal Contract Purchase (PCP), also known as Toyota Flex, is a flexible and popular plan that provides you with the option to change your car on a regular basis. Pay a Deposit → Regular monthly payments → Choose to renew, retain or return your Toyota, all from the comfort of your own home.

PCP Explained

Is this plan for me?

  • I would like to keep my monthly payments as low as possible.
  • I would like to choose how much I pay upfront.
  • I want flexibility at the end of my plan.
  • I want to help protect against an unexpected fall in used vehicle prices.
  • I like to drive the newest models.

How it works

1. The Deposit

You choose the amount of deposit you want to pay. This can be as little as 7% or as much as 36% of the On the Road Price of your new Toyota.

2. The Difference

Your affordable monthly repayments are then calculated on the difference, plus interest charges, which means they will often be more affordable.

3. The GMFV

We set a minimum Guaranteed Future Value (GMFV††) for your new Toyota. This guarantees the minimum your Toyota will be worth in 3 years, giving you peace of mind knowing the amount your Toyota will be worth.

Key for Key
Turn your key into a brand new Toyota with key for Key
Don’t have enough cash to buy a new car?
Have you considered the equity in your current car?

With Toyota’s Key for Key we can help turn the keys of your current car into a brand new Toyota. You don’t have to put your hand in your pocket, only to give us the keys to your current car and in three years time, we would like to get you into another new Toyota with no further deposit requirements.
How does it work?

  1. When setting your deposit we recommend that you set a deposit up to 15%. This initial deposit can come from your trade in. If your trade in is worth more than the deposit required we’ll even offer you cash back.
  2. Then in three years time after 36 monthly repayments, you can use the equity** left in your current car towards most, if not all of the deposit for a new car on the same or similar monthly repayments.
**The equity being the difference between GMFV †† (fixed) and actual market value of your car (variable).

Terms and Conditions: The information provided is general in nature. You should seek your own independent financial advice to determine whether Toyota Flex is appropriate for your individual circumstances. Lending criteria and terms and conditions apply. Finance is provided by way of a hire purchase agreement at participating Toyota Dealers only. ††The Guaranteed Minimum Future Value (GMFV) is payable if you renew or retain the vehicle at the end of the agreement. Further charges may be applied by your Toyota Dealer subject to kilometre limits/condition of the vehicle. To qualify for Toyota Flex a minimum of 7% of the Retail Price applies and a maximum term of 37 months. The credit provider is Toyota Financial Services Ireland DAC. Models shown for illustrative purposes only.

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