So, a PCP is great if you absolutely definitely want to change your car again in three years' time, or if you intend to put aside enough money for the final payment to keep the car and clear the debt. It’s not so good if you want to keep the car for longer or if you don’t want to save for the final payment, and there are strict limits on condition and mileage too, so you need to make sure you read the small print. It can often work out better value to go for a bank or credit union loan, or to take out Hire Purchase finance instead of a PCP.