skoda finance

What is a solutions personal contract plan?

A Solutions Personal Contract Plan, or PCP, is our most popular and flexible finance plan, designed to give you lots of options.

After looking at how much you drive, we’ll agree a future value for your car upfront. So you can get on with enjoying your new car without having to worry about how much it will be worth in the years to come.

How much do I pay and when?

skoda finance pcp

Once you’ve chosen your vehicle and decided on your deposit, you’ll need to make three decisions that will affect your monthly payments:

​Your payment period

Choose between 18 and 48 months.

Mileage per year

Choose how many miles you expect to drive each year (fees may apply if you exceed this).

Final option payment

Agree the deferred amount, known as the final optional payment, to the end of your agreement.

At the end of your agreement you can choose from one of three options:

1. Upgrade your ŠKODA for a new one (by part exchanging)

2. Keep your ŠKODA (by paying the optional final payment and option to purchase fee)

3. Simply return your ŠKODA (subject to condition and mileage)

Solutions gives you the opportunity to reduce the length of your agreement when compared to some other plans, which is handy if you’d like to change your car more regularly.

Remember it’s important to keep your ŠKODA in good condition, within the agreed mileage and to make any repayments on time.

What benefits does solutions offer me?


Deferring a set amount to the end of your agreement could help to reduce your monthly repayments


A Solutions agreement can protect you from unforeseen depreciation in your vehicle’s value


Deposits can be as little as one monthly repayment


It’s a flexible product, giving you three options for the end of your contract. This decision doesn’t need to be made until the end of your agreement

Finance Subject to status. 18s+. T&Cs apply. ŠKODA Financial Services.