Explained: DS Car Finance & Leasing

The key information you need to assist you in your vehicle purchase


DS Automobiles have developed DS SimplyDrive to offer our customers a finance option that provides 3 years of motor insurance**, routine servicing, roadside assistance, warranty and road fund licence, all included in one fixed monthly payment. DS SimplyDrive is available on the majority of models funded on Personal Contract Purchase.


At the end of 3 years you then have 3 options:

1. Pay the optional GFV (Guaranteed Future Value) payment and own the car

2. Hand back the car to your DS retail store*

3. Return the car and use it in part exchange for a new DS


*Excluding any arrears, damage charge/excess mileage charges.

**Individual profiles will vary and are dependent on the age of the youngest drivers, postcode and vehicles insurance group. Minimum age 18 with Telematics, otherwise 21, 25 on selected models, maximum age 75. With Telematics box, drivers are required to install the Telematics Box & consent to Data capture & transmission to qualify for insurance and all drivers must hold a full UK licence. Otherwise policyholder must have a minimum of 2 years NCD to use on the vehicle and all drivers must meet eligibility criteria including minimum 2 years’ full UK licence. Insurance subject to cancellation if you receive four warnings for poor driving. For all drivers, limits on claims/convictions and excesses apply. 3 years motor insurance is provided and underwritten by UK Insurance Limited.

DS Personal Contract Purchase

DS Personal Contract Purchase is a finance solution designed to allow you to change your DS every two, three or four years with monthly payments structured to meet your budget. An initial deposit is paid of between 0% and 40% of the vehicle price, followed by fixed monthly payments over a term of 25, 31, 37 or 48 months. DS will agree with you an estimated annual mileage band, between 6,000 and 30,000.

This will determine the Guaranteed Future Value (GFV) of your vehicle so that at the end of the agreement you just choose one of the following options:

1. Make a final payment and own the car
2. Return the car to your DS retail store*
3. Return the car and use it in part exchange for a new DS, using any equity as a deposit in a new DS Personal Contract Purchase agreement.

*Excluding any arrears, damage charge/excess mileage charges.

Purchase Plan

Purchase Plan is a finance solution that spreads the cost of buying your New DS into fixed monthly payments over a period of between 1 and 5 years . You’ll know exactly how much you are spending each month and for how long, making budgeting much easier. At the end of the agreement, when all of the monthly payments have been made, you’ll own your DS. Should you want to change your DS before the end of your Purchase Plan term, you can simply visit your DS retailer to discuss part-exchanging it for a new DS.

DS Personal Lease

DS Personal Lease provides the convenience of a new DS but without ownership. Instead of owning your DS you rent it until the end of the agreement, at which point you have a broad choice of options for the road ahead. This is fixed cost motoring, designed to help you savour the experience of driving.

At the end of the DS Personal Lease contract you have three choices. You can exchange it for a new one or simply return to your DS retail store*. If you wish to keep the car for longer you have the option to pay a final rental at the end of the contract and then an annual token rental payment equivalent to one of your monthly rental payments to keep using the vehicle.

*Excluding any arrears, damage charge/excess mileage charges.

Personal Contract Hire

Personal Contract Hire is a long-term leasing arrangement. This means that although you won’t own the car at the end of your contract, you’ll be making a fixed monthly rental for the vehicle whilst you use it. PSA Finance can offer Personal Contract Hire on new vehicles across the DS Automobiles network.

Personal Contract Hire in three stages:

1. Pay the advanced rental - You will pay an advanced rental fee when ordering the vehicle. This is agreed when ordering your vehicle and can be discussed further with your retailer.


2. Agree on mileage allowance - You will agree this allowance per year which will help determine your monthly rental payments to lease the car over your agreed contract period.


3. Enjoy until time to return - At the end of the contract, you’ll return the car to us and pay any excess mileage and/or damage charges.



The benefits of Personal Contract Hire are that you’ll receive a budget-friendly contract tailored to you and there’s no depreciation risk. There’s also a range of DS Automobiles vehicles to choose from and a longer-term leasing agreement is available. Terms & Conditions apply. Subject to status. Over 18’s only. A guarantor may be required. PSA Finance UK, RH1 1QA.

Finance available from PSA Finance UK, written quotations available on request from PSA Finance UK subject to status. Over 18’s only. Excess mileage charges will apply if you exceed the agreed annual mileage. A guarantor may be required. Terms and Conditions apply. PSA Finance UK Limited, 61 London Road, Redhill, Surrey, RH1 1QA.