Transfer fees, early termination charge methods, credit check requirements, average completion times and process notes for every major UK BCH/PCH funder. The only complete reference of its kind.
9Easy
1Moderate
3Complex
2Not Allowed
15 funders
Fees and processes are sourced from published T&Cs, broker guides, and member reports. They change — always verify the exact figure directly with your funder before listing. Confirmed figures marked ✓ Verified; estimated figures marked ~ Estimated. Spotted an error? Report it as a Club member.
Volkswagen Financial Services
VWAudiSEATCupra+2
£150
transfer fee
50% remaining rentals
Early termination charge method
14d
avg time
✓ Easy
Credit check
BMW Financial Services
BMWMINI
£195
transfer fee
50% remaining rentals
Early termination charge method
21d
avg time
~ Moderate
Credit check
Mercedes-Benz Financial Services
Mercedes-BenzSmart
£175
transfer fee
50% remaining rentals
Early termination charge method
17d
avg time
✓ Easy
Credit check
Ford Credit
Ford
£120
transfer fee
50% remaining rentals
Early termination charge method
18d
avg time
✓ Easy
Credit check
Black Horse (Lloyds)
Various — independent funder
£125
transfer fee
50% remaining rentals
Early termination charge method
16d
avg time
✓ Easy
Credit check
Hyundai Finance (Black Horse)
Hyundai
£125
transfer fee
50% remaining rentals
Early termination charge method
16d
avg time
✓ Easy
Credit check
Kia Finance (Black Horse)
Kia
£125
transfer fee
50% remaining rentals
Early termination charge method
16d
avg time
✓ Easy
Credit check
Santander Consumer FinanceESTIMATED
Various — independent funder
£130
transfer fee
50% remaining rentals
Early termination charge method
20d
avg time
✓ Easy
Credit check
Stellantis Financial Services
VauxhallPeugeotCitroënFiat+4
£140
transfer fee
50% remaining rentals
Early termination charge method
19d
avg time
✓ Easy
Credit check
Close Brothers Motor Finance
Various — independent funder
£100
transfer fee
50% remaining rentals
Early termination charge method
14d
avg time
✓ Easy
Credit check
Lex Autolease
Various — fleet funder
£200
transfer fee
100% remaining rentals
Early termination charge method
35d
avg time
! Complex
Credit check
Alphabet (BMW Group Fleet)
BMWMINIVarious
£195
transfer fee
50% remaining rentals
Early termination charge method
30d
avg time
! Complex
Credit check
Arval
Various — fleet funder
£175
transfer fee
100% remaining rentals
Early termination charge method
40d
avg time
! Complex
Credit check
Tesla Finance (Barclays)
Tesla
N/A
Full remaining rentals less rebate
Early termination charge method
—
✗ Not Allowed
No check
Toyota Financial ServicesESTIMATED
ToyotaLexus
N/A
50% remaining rentals
Early termination charge method
—
✗ Not Allowed
No check
Help keep this table accurate
Completed a transfer recently? Funder fee changed? Process updated? Members can send corrections and additions — we check them and update the table for the next person.