PCP Finance From 7.9% APR

The rate we offer is the rate you get.

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 Quote
  • Trading since 2007
  • No obligation

We collaborate with leading lenders.

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

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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

Our PCP rates currently start from 7.9% APR for customers who meet the relevant lending criteria. The rate available to you will depend on your individual circumstances and the lender’s assessment.

A representative APR is the rate that at least 51% of customers who are accepted and receive credit are expected to obtain. Your actual rate may be higher or lower depending on your circumstances. .

Your rate can depend on factors including your credit profile, the amount you wish to borrow, the vehicle, the term and the lender’s criteria. .

Yes. You can obtain an indication of your finance options before you have selected the exact vehicle. .

If your initial quote or eligibility check uses a soft search, it should not affect your credit score. .

Yes. As a credit broker, Capital Car Finance can consider finance options from its panel of lenders rather than being restricted to a single lender. .

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