Let Your Dreams Become Reality...

We have access to several UK PCP finance products!

Graphic element cloudy

Capital Car Finance have some amazing finance deals available for new and used BMWs, our PCP and Lease Purchase car finance schemes have been benefitting our customers since 2006, so we have the experience, knowledge and expertise to look after you.

We offer you an alternative to dealer finance and have some of the lowest rates in the country to offer, we pride ourselves on our transparent “one to one” professional approach, which is why most of our customers come back to us time and time again, please read our reviews for more details.

Our car finance products are available for all BMW cars up to 5 years old, providing they are supplied by an approved UK dealership, we can offer funding for both business customers and private individuals.

Please find information below on all our BMW car finance products, alternatively why not give us a call to discuss the various options with a dedicated experienced adviser, call our sales team now on 01925 589020.

A pen with and Achievement certificate


One of the best ways to purchase a new or used car today, it allows customers to purchase a car of their choice at attractive fixed monthly finance payment, with the benefit of a low deposit outlay and a guaranteed minimum future value at the end of the agreement.

A Dollar bill and 2 coins


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.

A pen with and Achievement certificate


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.

Capital Car Finance Specialise in Used BMW Car Finance including, BMW PCP Finance, BMW Lease Purchase and BMW Hire Purchase products.

Capital Car Finance is an independent finance provider offering customers a choice of new and used car finance products. Because we are not linked, associated or connected to a manufacturer, it means we have access to a number of UK car finance providers, enabling us to offer customers some of the most competitive funding products in the market today.

PCP Car Finance has become one of the best ways to finance a new or used BMW today, personal contract purchase allows you to buy a BMW of your choice at an affordable fixed monthly payment, with a low initial outlay with a guaranteed buy back at the end of the agreement, this is known as the guaranteed minimum future value or GMFV for short.

At Capital Car Finance we have the ability to offer our customers a very low rate of interest (From just 7.9% APR) together with industry leading GMFV’s making BMW cars very affordable.

PCP Car Finance is very useful if you have previously driven a company car and are looking to opt out of your company car scheme and take the cash allowance from your company, you can use this to fund all or part of your purchase and then claim business mileage expenses, which is used to fund your monthly PCP payments and thus reducing excessive company car tax.

Your monthly payments are fixed with PCP for the repayment period, which is normally two, three or four years and the added flexibility of PCP car finance gives you several options at the end of the agreement.

BMW Car Finance - How Does It Work?

Question mark icon
white background


Return the vehicle to the finance company and if you have not exceeded the agreed mileage, there is nothing more to pay.


You may keep the vehicle and simply pay off or refinance the outstanding Guaranteed Minimum Future Value [GMFV] payment.


You can part-exchange your vehicle and if the trade-in value is greater than the GMFV, the difference is yours to keep.


Benefits of PCP Car Finance

  • Lower deposits available.
  • Flexible Term – 24 to 48 Months.
  • Fixed repayments.
  • Guaranteed final payment.
  • Lower monthly payments.
  • Opportunity of equity.

The BMW PCP provides the opportunity of driving a higher specification BMW for lower monthly payment, unlike traditional methods of car finance, this is achieved by deferring a percentage of the total cost of the BMW to the end of the contract, which is known as the guaranteed minimum future value or GMFV.

This guaranteed minimum future value (GMFV) is the key difference between PCP and traditional forms of car financing such as Hire Purchase or personal loan. The GMFV plus your deposit is subtracted from the selling price of the BMW and your monthly payments are based on the balance (plus interest on the balance and the GMFV). You will make lower payments than traditional financing simply because you are essentially only funding the depreciation of the vehicle.

Excess Mileage

At the beginning of the agreement, you decide on the total mileage you expect to do. If, at the end of the agreement, having chosen to hand your Land Rover back to the finance company, your mileage exceeds the agreed level, you simply pay a fixed amount for every extra mile.

Wear & Tear

It is in your interest to minimise ‘wear and tear’ on your Land Rover and not exceed the agreed mileage. When the agreement has finished, the vehicle may well be worth more than the GMFV, providing you with extra value, In simple terms ‘normal wear and tear’ means that for its age and mileage, your Land Rover is in fair working order, condition and repair.

Benefits of Lease Purchase

  • Lower deposits available.
  • Flexible Term.
  • Cost effective rentals due to residual values.
  • No tie to mileage contract.
  • Settlement can be made at any stage of the agreement.

Lease Purchase is sometimes referred to as Hire Purchase with a balloon and is structured in a similar way to Personal Contract Purchase or PCP car finance.

The customer will normally benefit from a slightly lower finance rate with a BMW Lease Purchase as there is no guarantee offered at the end of the contract, the deferred lump sum amount at the end of the agreement is known as the Residual Value (RV) or balloon, and this has to be paid by the customer for outright ownership of the vehicle. Deposits for Lease Purchase are flexible, normally a minimum of 10% and a maximum of 40% of the total vehicle price, repayment periods are taken over 3 or 4 years typically.

The Residual Value (RV) (sometimes called the balloon) at the end of the agreement reduces the regular monthly payments accordingly, thus making vehicles that traditionally have a strong Residual Value (RV) like BMW, more suitable for this type of product as they make repayments far more affordable.

The Residual Values (RV) is calculated and set at the beginning of the lease purchase finance agreement but is not payable until the end of the contract, there are realistically two options for an BMW lease purchase at the end of the term, 1. Pay off the residual value in cash or settlement by part-exchange or 2. Some lenders will allow the residual value to be spread over a secondary period and refinanced again.

Special Automotive Finance Standard Approved

FCA & SAF Approved Established Family Business Trading Online Since 2006

Our Customers Love Us...

Call us now on 01925 589020 for your quote with our latest rate and offers and let's see how much we could save you!

Capital Car Finance Ltd are fully authorised and regulated by the Financial Conduct Authority for consumer credit activity (FCA Registration Number 685925) We are a credit broker and not a lender, which means we act independently as an intermediary for a number of different finance providers.

We may receive a payment or other benefits from our finance provider should you decide to enter into an agreement with them, typically this is either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between different finance providers and product types. However, the payment received does not impact the finance rate offered. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.

Registered in England & Wales 6041030 FCA Authorised [Full Permission] No. 685925 :: Data Protection DPA No. Z1023210 :: VAT Registration No 904 00 3481 :: Registered Office: 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF, Telephone 01925 589020

This website and all its content are copyright of Capital Car Finance Limited © 2022. All rights reserved. Any unauthorised copying, duplication, or reproduction of part or all its contents in any form is prohibited and will constitute an infringe-ment of copyright. Phone calls may be recorded for training and monitoring purposes.

Capital Car Finance Limited © 2022 |