Capital Car Finance have some amazing car finance deals available for new and used Lexus, our Lexus PCP [Personal Contract Purchase] and LP (Lease Purchase) schemes have been enjoyed by our customers for over 15 years and with rates from just 5.9% APR now available on vehicles up to 5 years old, we have one of the most competive products in the UK.
As well as being one of the most competitive in the UK for Lexus PCP, we also pride ourselves on our transparent “one to one” professional service too, which is why most of our customers come back to us time and time again, please see our testimonials for more information. All our car finance products are available for Lexus vehicles up to 5 years old, providing they are supplied by an approved UK retail dealership, we have deals available for both business customers and private customers.
PERSONAL CONTRACT PURCHASE (PCP)
LEASE PURCHASE
(LP)
HIRE PURCHASE
(HP)
Capital Car Finance Specialise in New & Used Lexus Car Finance including, Lexus PCP Finance, Lexus Lease Purchase and Lexus Hire Purchase.
PCP has become one of the best ways to purchase or finance a new or used Lexus today, personal contract purchase allows you to buy any Lexus 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 5.9% APR) together with industry leading GMFV’s making Lexus cars very affordable.
Lexus PCP Finance
How does it work
PCP – OPTION 1
PCP – OPTION 2
PCP – OPTION 3
Benefits of PCP Car Finance
The Lexus PCP Finance Plan provides the benefits of driving a higher specification Lexus for lower monthly oulay, unlike traditional methods of car finance, this is achieved by deferring a percentage of the total cost of the vehicle to the end of the contract, this is known as the guaranteed minimum future value.
Excess Mileage
Wear & Tear
It is in your interest to minimise ‘wear and tear’ on your Lexus 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 vehicle is in fair working order, condition and repair.
Benefits of Lease Purchase
● Settlement can be made at any stage of the agreement.
The customer may benefit from a slightly lower payment 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 or PX to a dealer on your next purchase. 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 2, 3 or 4 years typically.
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 a Lexus 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 refinanced again.
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