What Rate Could You Get?

Find out where your credit profile could place you.

Excellent Credit

7.9%

APR

Good Credit

8.9%

APR

Fair Credit

11.9%

APR

8.9% APR Representative. Rates start from 7.9% APR. Capital Car Finance Limited is a credit broker, not a lender.

See My PCP Rate
  • Takes around 30 seconds
  • No obligation

No hidden fees

Clear, transparent quotes.

Quick and easy process

Get your quote in minutes.

Friendly, expert team

No call centres, just real people.

Established business

Trading for over 20 years.

Access to top lenders

Find the right finance for you.

Safe & secure

Your details are always confidential.

PCP Car Finance Made Easy

build your quote in just 30 seconds!

Step-One
Step-Two
Min £5000 - Max £80,000
Term - How Many Months
Next
Min 0 - Max 40%
Mileage Per Annum
Next

My credit score is

You have a long-standing credit history and make all repayments on time. You have no outstanding CCJs or defaults and have never been rejected for credit in the past.

You have had credit in the past with none to very few missed payments. When you apply for credit, you’re likely to be accepted but haven’t always been offered the lowest interest rates.

You have had credit in the past but occasionally missed some payments or gone over your credit limit. You aren’t always offered the lowest rates and may have sometimes been rejected.

You may have been accepted for credit in the past, but at a high interest rate or a large deposit may have been needed. Lenders may see you as risky due to missed payments in the past.

You find it difficult to be approved for credit as lenders will see you as high risk due to missed payments, or financial difficulties in the past e.g. bankruptcy.

Next

Representative Example

Using a vehicle price of £25,000 and a deposit of £2,500, the balance to finance would be £22,500, giving monthly payments of £346.31 over 48 months. The final payment based on 5k per annum would be £12,250 with a total amount payable of £31,026.57.

Capital Car Finance Limited is a credit broker and not a lender. Our rates start from 7.9% APR. The rate you are offered will depend on your individual circumstances. 8.9% APR Representative. This is an example only, lender fees may apply. By requesting a quote you agree to our Privacy Policy| Terms of Service

PCP
LP

We'll search for PCP offers from our panel of lenders

Your payments could be as low as.

-

Based on your credit score

Vehicle Price -
Deposit -
Finance Amt -
Final Payment -
Finance Term -
Total Payable -
Representative APR -
Annual Mileage -

This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.

We'll search for LP offers from our panel of lenders

Your payments could be as low as.

-

Based on your credit score

Vehicle Price -
Deposit -
Finance Amt -
Final Payment -
Finance Term -
Total Payable -
Representative APR -
Annual Mileage -

This car finance quote is for illustration purposes only and does not constitute a firm & final offer. Rates are set by our lender based on your credit profile. All finance applications are subject are to approval.

Free Eligibility Check

Free Eligibility Check

Before you apply for finance, see how likely you are to be accepted

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Finance Eligibility Checker

Our panel of carefully selected lenders ensures you get the best deals tailored to your needs.

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How It Works - 5 Steps To Finding Your Next Car

5 Steps To Finding Your Next Car

Finding your next car shouldn’t be a daunting task, at Capital Car Finance, we do our best to make it an enjoyable journey. Our straightforward 5-step approach takes the stress out of car buying, whilst guiding you every step of the way.

Step 1: Get a Quote

Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.

Get a Quote

Step 2: Get Pre-approved

With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.

Get Pre-approved

Step 3: Find Your New Car

Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.

Find Your New Car

Step 4: Let Us Work Our Magic

Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.

Let Us Work Our Magic

Step 5: Complete The Paperwork

It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!

 Complete The Paperwork

Step 1: Get a Quote

Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.

Get a Quote

Step 2: Get Pre-approved

With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.

Get Pre-approved

Step 3: Find Your New Car

Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.

Find Your New Car

Step 4: Let Us Work Our Magic

Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.

Let Us Work

Step 5: Complete The Paperwork

It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!

Complete The Paperwork

Your Questions Answered

Personal Contract Purchase and Lease Purchase are very similar products, a full product description about both products can be found in the Finance Products section of our website.

We normally arrange for your finance documentation to be sent to you directly by email, these are normally sent out either by e-sign or a pdf file format. .

If you are happy with the finance quote we have provided, the next step is to take a finance application from you, this is normally done over the telephone and takes just a few minutes, once your finance application has been accepted, we will then email your finance documents for signing. .

If you are happy with the finance quote we have provided, the next step is to take a finance application from you, this is normally done over the telephone and takes just a few minutes, once your finance application has been accepted, we will then email your finance documents for signing. .

When your pcp or lease purchase finance has been accepted, we will make contact with your supplying dealer to arrange the payment of the balance with them directly, we normally request that customers make contact with them first to explain that we will be in contact. .

Capital Car Finance Ltd operates without any call centres, not only can you call us directly on 01270 306000 but we have various methods of communication Contact Us to make it easier to get in touch with us, you will always speak to and deal with an experienced finance adviser who will have all the answers you need, we have a very high standard of customer service too, so you are in safe hands. .

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