Apply for Car Finance with

Capital Car Finance Eligibility Tool

    Monthly Budget

    What would you like to spend?

    Driving Licence

    What kind do you have?

    Marital Status

    Are you...

    UK Passport

    Do you hold a valid UK passport?

    Are you eligible?

    What is your date of birth?


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    Employment

    What is your employment status?

    Employment

    Who is your employer? We never contact your employer

    Employment

    How long have you worked there?



    Years



    Months

    Previous Employment

    What was your employment status?

    Previous Employment

    Who was your employer? We never contact your employer


    Employer


    Job Title

    Previous Employment

    How long have you worked there?



    Years



    Months

    Monthly Income

    What is your total NET monthly income, after tax?

    Address Details

    What is your postcode?

    Address not found, please enter manually.








    Address Details

    What is your residential status?

    Address Details

    How long have you lived there? (3 years required)



    Years



    Months

    Previous Address Details

    What is your postcode?

    Address not found, please enter manually.








    Previous Address Details

    What was your previous residential status?

    Previous Address Details

    How long have you lived there?



    Years



    Months

    Almost done

    Let us know who you are


    First Name


    Last Name

    Submit Application

    How can we contact you?


    Mobile Number


    Email Address


    Preparing your data ready for submission

    Submitting your details to our lender panel

    Finding the best outcomes for your profile

    Nearly there...

    Congratulations!


    Your Eligibility request has been received succesfully!

    Hold tight! We're still processing your details with our lender panel, keep an eye on your phone for a text or email confirmation soon.

    Your Application is Our Priority

    We know how important it is for you to get behind the wheel as soon as possible. Rest assured, our dedicated team is working tirelessly to process your eligibility request and ensure the best outcome and terms for you.

    Transparent Financing Options

    We believe in offering transparent car finance options that suit your needs. We will always provide you with clear and easy-to-understand acceptance terms, enabling you to make an informed decision.

    A Personalised Approach

    At Capital Car Finance, we treat every customer as an individual. Our team takes the time to understand your unique circumstances and tailor a financing solution accordingly, ensuring that you receive the best terms.

    PCP Car Finance Eligibility Check

    Car Finance Eligibility Check

    This soft search car finance application allows you to check your eligibility for PCP finance without affecting your credit score. The check gives you an early indication of approval likelihood, lender suitability, affordability and credit profile strength. It helps you understand what you may qualify for before completing a full loan application or hard credit search.

    Why Use a Soft Credit Search for Car Finance?

    A soft credit search is a quick way to find out whether you are likely to be approved for car finance. It checks key financial information from your credit file, including past payment behaviour, income level indicators, financial commitments and address stability. This type of search does not impact your score or limit your ability to apply with lenders later on. It simply helps you understand the finance options available to you.

    What Lenders Look For

    Lenders assess your eligibility by reviewing your income, employment status, credit history, past financial behaviour and overall stability. They check whether you can comfortably afford the monthly payments and whether your financial commitments are manageable. This soft search uses your details to estimate lender tier, potential credit limits and likely PCP repayment levels.

    How the Soft Search Finance Application Works

    To complete the eligibility check, you will enter personal information such as your name, contact details, address history, employment information and income. The system then reviews your financial profile using industry-standard credit search technology. You receive an estimated approval level, potential lender match and an indication of available PCP finance options. No hard search is carried out until you decide to proceed.

    Soft Search vs. Hard Search

    A soft credit search checks your financial profile without leaving any visible footprint. A hard search is only completed when you submit a full application. While a soft search helps you find suitable lenders and learn more about your credit status, a hard check is required for official approval. You can use our soft search as often as needed to explore your finance options without damaging your credit score.

    How Affordability Is Assessed

    Lenders look at your income, monthly bills, loan commitments, rent or mortgage payments and general financial circumstances. Your income is used to calculate the level of car finance you may qualify for and the repayment tier you are most suited to. This soft search provides a realistic indication of what monthly payments could look like based on lender guidelines.

    What You Need to Complete the Check

    You will be asked to provide your personal details, date of birth, address history, job role, employment length and income. These details help lenders verify stability and suitability for car finance. The information you provide is used to estimate credit eligibility and to match you with the most appropriate finance options.

    Next Steps After Your Eligibility Result

    Once you complete the soft credit check, you will see an indication of whether you may be approved for a PCP finance agreement. If the results look positive, you can move forward to a full application. This involves a hard credit search and full affordability review. Our team will guide you through each step and help you find the best lender and finance plan for your needs.

    Car Finance Application and Credit Eligibility

    Our soft car finance application helps you check your credit status and understand how lenders view your financial profile. You can find out what you might be approved for, how much you could borrow and the repayment terms available to you. This tool helps you compare lenders, review your eligibility score and get a clearer understanding of your financial position before applying. Whether you need help with credit checks, lender searches, income verification or personal financial assessments, this eligibility tool gives you fast insight with no impact on your credit file.