PCP vs Lease
Leasing never leads to ownership — PCP gives you the option, at a cost. Compare them on the same basis.
Compare
Same car
Initial rental
PCP — return
£476/mo
Total: £17,135
Lease (6+35)
£341/mo
Total: £12,259
Lease (6+35) is cheaper by £4,876 over 36 months on these figures.
Estimates only, based on the methodology stated above — actual lender or dealer figures may differ. RealCarCost is not a broker, lender or financial adviser, and nothing here is financial advice or a personal recommendation.
Last reviewed: 30 August 2026. Figures and methodology are reviewed as UK rates and rules change.