
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.

PERSONAL CONTRACT PURCHASE (PCP)
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.

LEASE PURCHASE
(LP)
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.

HIRE PURCHASE
(HP)
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.
At Capital Car Finance we have the ability to offer our customers a very low rate of interest (From just 6.4% APR) together with industry leading GMFV’s making Land Rover cars very affordable.
Land Rover Car Finance - How Does It Work?


PCP – OPTION 1
PCP – OPTION 2
PCP – OPTION 3
Benefits of PCP Car Finance
The 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.
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
● Settlement can be made at any stage of the agreement.
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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