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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 requestion a quote you agree to our Privacy Policy| Terms of Service
We'll search for PCP offers from our panel of lenders
Your payments could be as low as.
Based on your credit score
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
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.
Explore Personal Contract Purchase (PCP) deals for quality used vehicles. We specialise in super-prime PCP, providing clear illustrations so you can compare monthly costs, optional final payments and term lengths before you apply.
Each PCP deal considers the vehicle price, deposit, mileage per annum and term, alongside the lender-set Guaranteed Future Value (GFV). These factors determine your monthly payment and the optional final payment.
As a long-established, family-run broker, we match super-prime applicants with competitive offers from our panel of lenders. You get transparent illustrations and support throughout, without changing the way your dealer sells the car.
Credit profile, deposit size, mileage and term all influence the rate offered and the GFV. Used cars often create attractive deals because much of the depreciation has already occurred, helping keep monthly payments predictable.
Adjust deposit and mileage to see how your monthly payment changes, then compare terms to find a comfortable balance of affordability and flexibility. Your illustration helps you understand total cost of credit before you apply.
Use the quick eligibility check to gauge likelihood of approval with no impact on your credit score. If you wish to proceed, a full credit search is completed as part of the application process.
The GFV (sometimes called the balloon) is the lender’s predicted future value at the end of term. A higher GFV can lower monthly payments but increases the optional final payment—your illustration shows both clearly.
At the end of your PCP you can pay the optional final payment to keep the car, return it (subject to mileage and condition) or part-exchange it. This flexibility is why PCP deals are popular for used cars.
Yes, we focus on used-car PCP finance with competitive lender offers for prime and super-prime customers.
No. Our initial eligibility check is a soft search and does not affect your credit score. A full search happens only if you apply.
Rates are set by the lender based on credit profile and vehicle details, plus deposit, term and mileage selections.
Your illustration shows the monthly payment, optional final payment (GFV), total amount payable and the key assumptions used.
Our latest PCP car deals are designed for drivers looking for low monthly payments, flexible agreements and competitive offers on new and used vehicles. Whether you're upgrading to a newer model, considering an electric or hybrid car, or comparing purchase options across different makes and models, our deals are tailored to suit your budget and personal requirements.
Every Personal Contract Purchase (PCP) agreement we arrange is based on transparent terms, realistic mileage allowances and a fixed monthly payment that helps you stay in control. You can choose your deposit, adjust your mileage and select the contract length that works best for you.
With over 18 years’ experience, we help super-prime customers secure affordable PCP offers without inflated commissions. Our focus is simply on providing great value PCP deals with exceptional service from start to finish.
PCP agreements are structured to keep monthly payments low by deferring part of the vehicle’s value to the end of the contract, known as the Guaranteed Future Value (GFV). You simply choose your deposit amount, your annual mileage and the length of the agreement.
At the end of the contract you can:
To qualify for our best PCP deals, good to excellent credit is typically required. This helps secure low APRs and ensures affordable monthly payments on your chosen car.
Whether you're browsing PCP offers on new cars, comparing monthly payments on used models, or exploring electric and hybrid vehicle finance, our service gives you access to a wide range of super-prime PCP options. Each deal is tailored around your preferred mileage, deposit and contract term, helping you create a personal agreement that suits the way you drive.
PCP deals remain one of the most popular ways to fund a car because they offer low monthly payments and the flexibility to change vehicles regularly. Many drivers choose PCP for the convenience of predictable costs, warranty coverage and the ability to upgrade to a newer car at the end of the term.
If you're comparing PCP finance offers, we recommend checking the APR, mileage limits, deposit options and any additional costs such as servicing or extended warranty products. These factors help determine the total amount you’ll pay across the full agreement.
Our team specialises in helping customers find the strongest PCP deals available for their circumstances, ensuring every agreement is simple, transparent and built around your needs.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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!
