A service that allows you to drive your dream car with flexible financing and the freedom to choose what works best for you.
Choose your initial payment, yearly mileage and contract duration to determine fixed monthly instalments and an optional final payment. At the contract's end, decide whether to:
If you want to experience a new CUPRA, you can. You simply trade in your current car and use any equity to put towards a new CUPRA.
If you love your CUPRA enough to keep it, you can pay the option to purchase fee, and optional final payment (a.k.a balloon finance) to then take full ownership of the car.
If you don't want to update or keep the car, you can simply hand it back to us and settle any outstanding fees or charges (such as excess mileage or damage charges).
Auto Credit (PCP) is designed to give you maximum flexibility at the end of your contract, here's what you can expect:
With the Hire Purchase financing option, you become the rightful owner of the vehicle when you have paid all the fixed monthly instalments over the agreed contract period. With the PCP option, you can become the owner of the vehicle by paying the optional balloon payment at the end of the term.
The interest rate for PCP and individual loans is set at the beginning of the contract term and remains the same over the entire period. Please contact your local retailer for more details on the laws and regulations.
Visit the CUPRA website and configure your ideal car online. You will usually receive an estimated monthly repayment amount. Alternatively, contact your local retailer for a calculation based on your exact requirements.
PCP is a good option if you require increased flexibility and lower monthly payments. PCP defers some of the car’s price until the end of the contract, reducing monthly costs compared to other types of financing.
Balloon finance defers part of the car’s price until the end of the contract, reducing monthly costs. Auto Credit is an example of balloon finance. It provides affordability and an option to own the car outright at the end of the term.
Yes, you can trade in your current vehicle and use the profit as a deposit for financing your new CUPRA. This can lower your monthly payments. Contact your local CUPRA retailer for more details.
Yes, you can choose from the entire range of configurable options and models from CUPRA to create your personalised dream car.
In the event of a total loss or theft, the optional CUPRA purchase price protection reimburses the difference between the original purchase price and the replacement value. Fully comprehensive insurance also covers the excess. Please check with your local CUPRA retailer for details.
Hire Purchase allows you to own your CUPRA through fixed monthly payments. You become the owner at the end of the contract period.
With PCP, you have three options at the end of the agreement: upgrade your vehicle to a newer CUPRA, pay the balloon payment to own the car outright, or return the car and settle any outstanding charges such as excess mileage or damage.
Battery 37 kWh (99kW)
Battery 52 kWh - 155 kW
€3,500 SEAI Grant Booster
€2,000 Trade-In Booster
Personal Contract Plan (PCP) lets you drive a new CUPRA with lower monthly payments by deferring part of the cost to the end of the contract. You choose your deposit, mileage and term, which sets your fixed instalments and gives you three options at the end: upgrade to a new model, keep the car by paying the optional final (balloon) payment, or simply return it. Benefits include lower monthly costs, an agreed Guaranteed Future Value for peace of mind, and flexible end‑of‑term choices, with maintenance and services available as add‑ons.