Your Questions Answered...
What is the difference between PCP and Lease Purchase?
Personal Contract Purchase and Lease Purchase are very similar products, a full product description about both products can be found in the Finance Products section of our website.
Can I still use Capital Car Finance PCP and Lease purchase products if I have already agreed to purchase my car from my own preferred dealer?
How long do I have to wait for a credit approval?
What if I have had problems in the past with my credit, can Capital Car Finance still help me?
Depending on the severity of your credit profile, we may have lenders that can help you, please bear in mind that the interest rate offered by our lender is based on your credit profile and score, so unfortunately this is something we have no control as they offer a “Rate for Risk” policy.
What happens after my finance has been approved?
Will you contact the dealer to discuss the settlement of funds?
What proofs will I have to provide at payout stage?
You will need to provide some proofs when you return your signed finance agreement, these are normally a copy of your driving license and a recent utility bill dated within the last 90 days, if there are any additional proofs required, we will advise you at the time of acceptance.
How is the documentation sent out to me?
Where do I send the signed documentation and proofs?
How long does the payout process take to complete after I have returned my completed documents and proofs back to you?
What about deposits, who do I pay this to?
How long is my finance acceptance valid for?
Can I settle my car finance early or am I locked in to a deal for the term of the agreement?
All our PCP and Lease Purchase finance agreements have no full term lock-in or tie-in to the lender, customers can settle early if they wish, by simply obtaining a settlement from the lender whenever they like.
If I purchase my new vehicle through Capital Car Finance, where are the cars supplied from?
Is there a vehicle age limit for Car Finance with CCF?
What about warranty, will my warranty be affected if I use alternative finance with CCF?
Absolutely not, warranty is provided by the manufacturer not the dealer and therefore it is exactly the same regardless of which finance route you take.
When do I have to make my first payment for the finance agreement?
Is there any VAT on my finance payments?
Can I pay additional lump sum payments, after my car finance has been arranged?
All our consumer finance agreements are regulated by the FCA, you can pay a lump sum payments off your loan at any time throughout the agreement, which will either reduce the balance outstanding or reduce your monthly payment, whichever is preferred at the time. There is no limit as to the number of times you can do this, however this facility is NOT available for business customers.
What if I go over my allowed mileage?
If I am happy to proceed with Capital Car Finance, what is the next step?
When do you contact my supplying dealer?
If I have any further questions, how do I contact you?

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