About Capital Car Finance

Capital Car Finance is a privately owned, family-run car finance broker with more than 18 years of experience specialising in low-rate PCP and Lease Purchase agreements. We focus on transparency, exceptional service and delivering competitive super-prime finance options tailored to each customer.

Who We Are and What We Do

As an FCA-regulated broker, our role is to compare finance options from a range of trusted UK lenders and help you secure the best terms available. Whether you’ve already found a vehicle or need guidance choosing the right product, our experienced team ensures a smooth, straightforward and professional experience from quote to completion.

Our Background and Service Standards

Independent and Family-Run

Since launching in 2007, we have remained an independent and privately owned business. Our customers deal directly with a personal finance consultant rather than call centres or automated systems, ensuring clear communication and honest advice.

Specialists in Low-Rate PCP and Lease Purchase

We work with a specialist panel of lenders focused on competitive super-prime finance. This allows us to offer low-rate PCP and Lease Purchase agreements designed for customers who want value, flexibility and transparent terms without inflated commissions.

Transparency in Fees and Commission

We believe in complete transparency. Our reduced commission model and modest admin fee allow us to secure lower rates while ensuring you know exactly what you are paying for. We confirm any commission we receive before your agreement is finalised.

Focused on Customer Experience

From helping you compare lenders to handling dealer checks, paperwork and payout, we support you through every step of the process. Our service is designed to be fast, efficient and convenient so you can enjoy your vehicle without delay.

Why Customers Trust Capital Car Finance

With outstanding customer reviews, FCA regulation, SAF approval and nearly two decades of experience, we have built a reputation for honesty, reliability and exceptional attention to detail. Our goal is simple — to deliver competitive finance solutions backed by personal service and complete transparency.