Capital Car Finance specialise in three main methods of funding namely Personal Contract Purchase [PCP], Lease Purchase [LP] and our newest offering, Motor Loan Plus [MLP].
All these finance products will assist you in buying the highest specification car for a lower monthly outlay, please find more detailed information below, this should give you a better understanding of how all our finance products work.
Motor Loan Plus (MLP) - View full details
If you are looking for a little more flexibility with funding your next car, with no ties to any contract, period or mileage, then Motor Loan Plus could be the best option for you and one that will almost certainly offer reduced monthly payments. Find out more…
Lease Purchase - Low Payment Plan (LPP) - View full details
Lease Purchase is sometimes referred to as Hire Purchase with a balloon and is structured in a similar way PCP, however unlike PCP there is no guarantee offered at the end of the agreement, customer can defer a capital lump sum amount until the end of the agreement, this is known as the Residual Value. Find out more...
Personal Contract Purchase (PCP) - View full details
PCP is one of the best ways to purchase a new or used car today, it allows customers to purchase a car of their choice at a very attractive fixed monthly finance payment, with the benefit of a low initial deposit outlay and a guaranteed minimum future value (GMFV) at the end of the agreement. Find out more...
Hire Purchase (HP)
Hire Purchase (HP) is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit. The term "secured loan" means exactly that, a loan that the lender can secure against an asset (in this case, the vehicle). HP gives you additional rights over those of a personal loan and is only available through dealers that have passed the stringent approval process of the finance companies.
