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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 requesting 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.
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Apply for credit approval, then go shopping...No effect on your credit scoreIt takes less than 60 secondsFinding 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!
This PCP quote tool provides a personalised Personal Contract Purchase illustration based on the vehicle price, deposit, mileage and term. It allows you to compare PCP options instantly without affecting your credit score.
Simply enter your car details, mileage and preferred term to receive a tailored PCP quote from our panel of super-prime lenders. The monthly payment and final optional payment are calculated using real lender criteria so your illustration is as accurate as possible.
Requesting a PCP quote through this form does not involve a credit check. A full credit search is only completed once you decide to proceed with a finance application.
Your PCP quote is influenced by several factors including the vehicle price, deposit, mileage, the Guaranteed Future Value, and your credit profile. These elements determine both the monthly payment and the optional final payment at the end of the agreement.
The Guaranteed Future Value (GFV) represents the vehicle’s predicted price at the end of the term. A higher GFV lowers the cost of credit and reduces the overall monthly payments in your PCP quote.
Your credit history helps lenders determine the representative APR offered in your PCP quotation. Customers with an excellent profile typically receive our lowest rates starting from 7.9% APR.
The PCP calculator provides an instant illustration, while the PCP quote form generates a more personalised finance outline based on your details and lender criteria. Both tools work together to help you understand Personal Contract Purchase before applying.
Use the PCP calculator first if you'd like a quick estimate of monthly payments. If you already know the car you want, submit the PCP quote form for an accurate personalised figure.
As a long-established family broker, we work with leading lenders to match you with competitive PCP rates. Your personalised quote considers your credit profile, mileage, deposit and term.
No. A PCP quote does not affect your credit rating. A full credit search only happens when you proceed with an application.
Once you submit your details, we prepare your PCP quote using real lender data to give you the most accurate illustration possible.
Yes. You can request a generic PCP quote based on a target price or deposit while still browsing vehicles.
Requesting a PCP quote allows you to compare monthly payments, deposit options and agreement terms based on the car you want to finance. Whether you're looking at a new or used vehicle, a personalised quote helps you understand how the contract is structured and what the total amount payable may look like before applying.
Our PCP quotes are clear, accurate and tailored to your credit profile, vehicle choice, mileage, and deposit. You can quickly see how the payment changes when you adjust the term, deposit amount or the type of car you are considering, including petrol, diesel, hybrid or electric models.
With over 18 years of experience and a strong super-prime customer base, our goal is to offer competitive PCP quotes with transparent costs and no inflated commissions.
Your PCP quote is based on several key factors that determine your monthly payment and the total cost of the agreement. These include vehicle price, annual mileage, contract term, deposit amount and the lender-set Guaranteed Future Value (GFV), also known as the final optional payment.
Each quote gives you a full financial breakdown, allowing you to compare:
This helps you choose an agreement that suits your personal budget and driving habits.
When comparing PCP quotes, it's important to look beyond the monthly payment and review the full agreement details. The deposit, annual mileage, contract term and credit profile all play a role in the final amount payable. A higher deposit can reduce your monthly payment, while a longer contract may provide lower payments but increase the total cost over time.
Your personalised PCP quote highlights every important figure, including the optional final payment, total credit amount, interest charges and any lender-specific conditions. This makes it easier to compare new and used car deals and decide which option suits your needs best.
Our service focuses on delivering competitive, transparent PCP quotes for super-prime customers, helping you secure strong finance offers with fair and clear terms that you can trust.
Your personalised PCP quote gives you a clearer breakdown of how the agreement is structured, including the monthly payment, the optional final payment and the total amount payable over the full term. These figures reflect real lender criteria, not generic online estimates, ensuring the illustration is as accurate as possible for your circumstances.
The monthly payment shown in your PCP quote is based on the vehicle price, deposit, annual mileage and the Guaranteed Future Value (GFV). A higher deposit reduces the amount you borrow, while lower mileage can improve the GFV. This combination helps create a payment that aligns with your budget and the lender’s underwriting model.
Accuracy comes from using live PCP structures, real-world GFV data and lender-backed APR brackets. This ensures your quote reflects what you can realistically expect when you proceed to a full finance application, especially if you have a strong credit profile.
A personalised PCP quote helps you plan with confidence. It shows how different terms, deposits and mileage options change the monthly payment and the overall cost. Whether you’re comparing new or used cars, the customised figures help you choose an agreement that fits your needs.
This page helps you understand how a PCP quote is generated using core elements such as the deposit, term length, annual mileage and the optional final payment. It also highlights how the Guaranteed Future Value influences your monthly payments, giving you transparent insight into the overall structure of your Personal Contract Purchase agreement.
By adjusting the term, mileage and deposit, you can instantly compare different PCP quote outcomes before submitting your details. This makes it easier to review your options and focus on the figures that work best for your driving habits and monthly budget.
Terms such as GFV, optional final payment, APR, interest charges and total amount payable are common in PCP agreements. This section helps you understand each element so you can read your PCP quote with confidence and clarity.
