Why Your Dealership Isn’t Selling Enough Cars (And How To Change That)

The automotive industry is changing fast, and so are your customers. If your dealership isn’t offering non-prime PCP (Personal Contract Purchase) options, you could be missing out on a massive opportunity to tap into one of the fastest-growing customer segments. Let’s dive into five key reasons why adding non-prime PCP to your panel is a no-brainer for dealerships looking to grow and thrive in today’s market.

1. You’re Missing Out On Younger Buyers

Younger generations, especially Millennials and Gen Z, are rewriting the rulebook when it comes to car ownership. These customers aren’t looking to keep a vehicle for 10 years—they want flexibility, just like they have with their Netflix subscriptions. PCP is the perfect solution for them, offering manageable monthly payments and the ability to upgrade every few years.

Here’s the catch: younger buyers often don’t have pristine credit scores. It’s not because they’re financially irresponsible but because they haven’t had the time or opportunities to build a strong credit history. If your dealership only works with prime lenders, you’re saying “no” to a huge segment of potential customers.

2. PCP Is A Win For Dealership Retention

The beauty of PCP isn’t just its appeal to customers—it’s also a game-changer for dealerships. When a PCP agreement ends, customers are already thinking about their next car. If your dealership offers PCP, you’re keeping them in your ecosystem, ready to upgrade them to a newer model. It’s a built-in retention strategy that ensures they come back to you rather than exploring other options.

3. Non-Prime PCP Fills A Critical Gap

Marsh Finance is one of only two lenders in the UK offering non-prime PCP. Think about that for a moment. If we’re not on your panel, you’re likely turning away customers who could have been easily approved. These aren’t risky buyers—they’re individuals who fall outside the tight parameters of prime lenders. Offering non-prime PCP lets you say “yes” while others say “no,” growing your customer base without compromising quality.

4. You’re Losing Customers To Competitors Who Offer It

Here’s a hard truth: if you’re not catering to non-prime PCP customers, your competitors are. Younger buyers with average credit scores aren’t giving up on their car search just because your dealership can’t help them. They’re finding dealers who can. By adding Marsh Finance to your panel, you’re levelling the playing field and keeping more customers in your showroom.

5. You’ll Be Ready For The Future Of Buying Power

Younger generations are gaining more purchasing power every year. By 2030, Gen Z and Millennials are expected to dominate the consumer market. If you’re not preparing for this shift now, you’re setting yourself up to fall behind. Offering non-prime PCP is about meeting these buyers where they are today and where they’ll be: eager to upgrade, tech-savvy, and looking for options that suit their lifestyle.

Don’t Miss Out—Add Non-Prime PCP to Your Panel Today

The automotive industry is changing, and so are your customers. Marsh Finance is here to help you adapt and thrive. As one of the only lenders offering non-prime PCP in the UK, we provide dealerships like yours with the tools to capture this growing segment and retain customers for years to come.

Contact Marsh Finance today to learn how our non-prime PCP solutions can transform your business. Don’t let your competitors take the lead—let’s grow together.

Your next generation of buyers is waiting. Are you ready to meet them?