You will need to check the terms and conditions for a voluntary temptation of the contract in the PCP documents. Usually, you will need to be at least 50% though the agreed contract before you can end the contract early. It may be possible to do it sooner, but you will be asked to pay a penalty fee to do so. Speak with the PCP provider and explain your personal circumstances. They may be able to restructure the debt (and lower the monthly payments) or provide a payment holiday to give you the breathing space you need to assess your finances.