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We have access to several UK PCP finance products!

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Capital Car Finance has some amazing finance deals available for both new and used Land Rovers, our Land Rover PCP [Personal Contract Purchase] and LP (Lease Purchase) car finance schemes have been enjoyed by our customers for many years and now with the introduction of our Land Rover car leasing and contract hire products, we have something available for everyone.

We pride ourselves on our transparent “one to one” professional service, which is why most of our customers come back to us time and time again, please see our testimonials for more information. Our car finance products are available for all Land Rover vehicles up to 5 years old, providing they are supplied by an approved UK Land Rover dealership, we have deals available for both business customers or private customers.

Please find details below on all our available new and used Land Rover car finance products, alternatively why not give us a call to discuss the various options we can offer with a dedicated experienced adviser, you can call us now on 01925 589020.

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One of the most popular ways to purchase a new or used car today, it allows customers to purchase vehicles at attractive fixed monthly finance payment, with the benefit of a low deposit and a guaranteed minimum future value at the end of the contract period.

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Sometimes referred to as Hire Purchase with a balloon, LP is similar to Personal Contract Purchase, there is no guarantee minimum future value at the end of the contract, the customer can defer a capital lump sum amount to the end of the contract.

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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 New & Used Land Rover Car Finance including, Land Rover PCP Finance, Land Rover Lease Purchase and Land Rover 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 purchase or finance a new or used Land Rover today, personal contract purchase allows you to purchase any Land Rover car of your choice at an affordable fixed monthly payment, with an initial low deposit and a guaranteed minimum future value (GMFV) or buy back at the end of the agreement term.

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 Land Rover cars very affordable.

Land Rover PCP Car Finance is very useful if you drive a company car and are opting out of a company car scheme for example (Cash for Car), because you can use your company car allowance or mileage reclaims to fund your monthly PCP payments and avoid paying excessive company car taxes.

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:

Land Rover Car Finance - How Does It Work?

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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 Land Rover Personal Contract Purchase plan Land Rover Personal Contract Purchase plan provides the benefits of driving a higher specification Land Rover for lower monthly cost, unlike traditional methods of car finance, this is achieved by deferring a percentage of the total cost of the Land Rover to the end of the contract, which is known as the guaranteed minimum future value.

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 vehicle 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 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 Land Rover, 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 Land Rover 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 re-financed again.

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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.

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