EquityGo: PCP Equity Tracker

Sebbie

About this app

EquityGo tracks your PCP (Personal Contract Purchase) car finance agreement, so you always know where you stand: your balance, your mileage, your equity, and your Voluntary Termination (Section 99) rights.

PCP finance is confusing by design. Your finance company won't tell you your real equity position, or that Section 99 of the Consumer Credit Act may let you hand the car back once you've paid 50% of the total amount payable, with nothing more owed. Getting either wrong can cost you thousands in excess mileage charges or a bad part-exchange deal.

EquityGo gives you the numbers your finance company doesn't.

What EquityGo tracks
• Outstanding balance and remaining payments
• Guaranteed Minimum Future Value (GMFV) / balloon payment
• Voluntary Termination (Section 99) progress — how close you are to the 50% threshold
• Mileage used vs. your annual allowance, with excess mileage cost estimates
• Estimated market value vs. what you owe (your real equity position)
• Multiple contracts, if you're tracking more than one vehicle
• Settlement figure to end your agreement early

Make the right call at the end of your agreement
EquityGo's Decisions screen lays out your options in plain English: keep the car, hand it back, use your Voluntary Termination right, or part-exchange. All based on your actual numbers, not guesswork.

Stay on top of it
• Log mileage in seconds and get warned before you go over your allowance
• Reminders before key dates in your agreement
• Works offline: log readings anywhere, and they sync once you're back online
• Face ID / biometric lock to keep your finance details private
• Export a PDF summary of your contract anytime

Your data, your control
EquityGo never asks for your bank login and never runs a credit check. You just enter the details from your own finance agreement. Delete any contract, or your whole account, any time from the Account tab.

Built for UK PCP customers who are tired of finding out the numbers only when it's too late.