Capital Car Finance

We Make Things Easy For You...

A car with a big magnifing glass besides it.


From a UK supplying dealer of your choice and we can arrange for the finance amount to be settled directly with them. If it’s a used car, as long as the vehicle is less than 5 years old and supplied directly from any franchised dealer or established independent retail dealer, we can help.!
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We take care of all the paperwork for you and arrange the invoice directly with your supplying dealer. To save time, most of the transactions can be done over the phone or electronically, making the whole process very quick, smooth and efficient, in most cases we can conclude the deal from application to payout within 48 hours.

How do we make our money?

A car with a futuristic design and a man sitting in it.
FCA Regulated & SAF Approved
PCP & Lease Purchase Specialist
Lower Rates for Used Cars
Transparent, Honest & Reliable
5 Star Google Reviews

Capital Car Finance offer a more transparent approach to provide you with the most competitive car finance products, whether it be PCP, Lease Purchase or Hire Purchase. In order to do this we have a made the decision to forfeit the majority of commission normally received for introducing new business to a lender, we do this by implementing a small broker fee of £299+VAT for each transaction we arrange.

We may also 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.

Our service includes negotiating the best vehicle supply price with the dealer, assistance to help you choose the most suitable and competitive finance product based on your circumstances, whether it be PCP, Lease Purchase or Hire Purchase. We handle all the administration and paperwork involved with the transaction directly with the UK supplying dealer and finance house, including all bank payments, in fact it couldn’t be easier, we do pretty much everything, the only thing you need to arrange is a suitable date and time for collection or delivery of your vehicle and that’s it!

Our Customers Love Us...



What products do we offer?

Apart from our range of very competitive PCP and Lease Purchase finance products, we can also offer highly discounted prices on the majority of UK new cars, all new cars are supplied directly to you from UK main dealers and all our cars are UK supplied and registered to you as first registered keeper. You may have already agreed to purchase a car directly from a dealership yourself, this being the case, we can still help by arranging your vehicle finance for you and saving you money.
We specialise in Personal Contract Purchase [PCP] and Lease Purchase [LP] car finance products for both new and used vehicles. We are able to offer much lower rates and therefore a substantial saving compared to the majority of motor dealers, simply because we don’t have the same overheads and we work for much smaller margins. We have access to several major UK banks and finance houses and choose to pass on the best rates available to our customers in return for a small fee income for each completed deal.
Specialist Automotive finance standard
You also have the added comfort in knowing that all our personal advisers have been trained to SAF standard which means you will always receive independent impartial advise and benefit from the best deal that suits your circumstances. SAF Approved recognises a company’s commitment to increased professional standards and knowledge on motor finance.
The FLA will audit company records and require the annual submission of a SAF compliance statement to ensure dealerships adhere to the SAF guidance note.
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a Phone mockup with the following text inside "So, You've found the one? Get Quote(button) Or Call 01925 589020"

Where do I start?

When you know the make & model of your chosen vehicle, simply enter the information on our Get a Quote page or alternatively call us directly on 01925 589020 to speak to a dedicated professional adviser, we can then check to see what special offers are available for you and if you are satisfied with the figures, we can then proceed with a credit application to secure funds. To find out more information about Capital Car Finance, visit the About Us page of this website.

Capital Car Finance Now you do have a choice