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Find The Right Finance Option For You

Changan offers a range of flexible personal financing options, but we understand that everyone’s needs are different. To help you discover the right finance option for you, learn more about each finance solution below or get in touch with your nearest Changan dealership by clicking below. 

PCP Explained

Personal Contract Purchase (PCP) is a product that allows you to keep your options open. You determine how much deposit you are happy to pay and the mileage you’ll cover.

At the end of the contract you can trade your Changan in for a new vehicle, keep it (by paying off the final balloon payment) or return it without any worries, subject to its condition.

PCH Explained

Personal Contract Hire (PCH) allows you to enjoy driving a brand new Changan without having to commit to ownership. With PCH you pay fixed monthly payments and simply hand the car back at the end of the agreement subject to its condition.

There is no option to keep or buy the car at the end, but you will be able to upgrade to a new model and start a new contract.

HP Explained

Hire Purchase (HP) is a finance product that allows you to own the car at the end of the finance agreement.

You put a deposit down and then pay the remaining cost of the vehicle over a period of time, paying monthly. At the end of the agreement the vehicle is yours.




Changan Finance FAQs

1. What is vehicle finance? 
Vehicle finance helps you spread the cost of purchasing a new Changan, over a set number of monthly payments.  

2. Are there age restrictions when applying for finance?  
Yes, you must be at least 18 years old, there is no strict maximum age limit set. 

3. Are my monthly payments fixed?  
Yes your monthly payments are fixed regardless of whether you choose PCP, PCH or HP. 

4. Are there mileage restrictions?
For PCP and PCH you will decide your annual mileage at the start of the finance agreement. If the agreed mileage is exceeded, there may be an additional charge. For HP there are no mileage restrictions.  

5. Can I change my car before the agreement ends?
PCP and HP allow you to settle your agreement at any point, but there may additional charges to settle early. PCH is designed to run the full term.  

6. How much deposit will I need?  
For PCP there is no minimum deposit and a maximum deposit allowed of 35% of the vehicle price. So you can put down as much or as little as you wish between 0-35% of the value of the vehicle. For PCH you need to pay a minimum of 1 month’s payment upfront.



Terms & Conditions
Representative 0.0% APR & £3,000 finance deposit contribution, on Changan Deepal SO7 160kw Ultra 80kWh 5dr Auto (20" Alloy)

Representative Example based on 6,000 miles per annum. Credit available subject to status. UK residents 18+. This offer is available to Retail customers only and is not available in conjunction with any other offers unless specified.

With Personal Contract Purchase, once you have paid all of your regular monthly repayments you can either 1) Pay the Optional Final Repayment and own the car. 2) Part exchange the car for a new one (subject to settlement of your existing agreement, new agreements are subject to status). 3) Return the car to Creation without paying the optional final repayment. Providing you’ve not exceeded the maximum agreed mileage and the car is in good condition (fair wear and tear accepted) you will have nothing further to pay. If the vehicle has exceeded the maximum agreed mileage then a charge of 12.0p+ VAT per excess mile applies.

Orders must be placed, accepted and the vehicle registered by 31st March 2026. Offers may be varied or withdrawn at any time.

Changan Automobile Europe Holding B.V. are acting as a credit broker, not a lender, and will introduce you to a number of dealers, who also act as credit brokers. They are not providing you with financial advice and should not be considered impartial. The offer you are seeing is only provided by Creation Consumer Finance Limited but there may be alternative financial products available. If you choose to proceed with an application for finance with Creation Consumer Finance Limited, the dealer, acting as a credit broker, may receive a commission from Creation Consumer Finance Limited. The amount and nature of the commission payable to the dealer will be disclosed to you before you enter into your agreement. We , Changan Automobile Europe Holding B.V. will not receive a commission for introducing you to the dealer.