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Can I change my PCP to lower payments?
Hi there I purchased a kia sportage on pcp last year but due to an illness in family I was required to change to a lesser paid job. Is it possible to change it so repayments are less per month. As I am finding it difficult to pay mortgage cars etc.
Our answer:
Hi Richie,
You need to talk to the lender and dealer right away on this to check the terms and conditions and what they might be willing to do. It would not normally be possible to reduce the monthly payments on an existing PCP agreement, so it may be that you'll have to give back the car and consider down-sizing the car as well as the finance borrowed.
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