Finance
Salary sacrifice vs PCP for the same EV
PCP has no tax wrap. Sacrifice has 2% BIK and a job-risk. They are not interchangeable quotes.
7 minute read · Updated 2026-08-14
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Finance
Sourced from GOV.UK, HMRC or DVLA — not a forum screenshot.
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A PCP quote is a consumer credit product. A sacrifice quote is an employment benefit. Insurance, maintenance and job-change risk sit in different places.
If your employer has no scheme, PCP or HP is what you have. If they do, run both monthly figures after tax, not before.
Questions
Can I do both?
No. One car, one arrangement.