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With Hire Purchase you pay for the car in a series of monthly payments. At the end of the term, after all payments and the option to purchase fee is made you take full ownership of the vehicle.

With Personal Contract Plan you pay for the car in a series of monthly payments. At the end of the term, after all payments are made you can make the optional final payment and take full ownership of the vehicle or you can hand it back to the dealership.

Pay for a vehicle in full.