Looking For Low Rate PCP For Your Used Car?

Capital Car Finance have access to several Low Rate PCP finance products!

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Capital Car Finance Specialise In Used Car PCP Finance

If you’re buying your used car from a motor dealer and are not happy with the PCP deal they have to offer, why not give us a call and see how much we can save you, our current rates are from just 8.9% APR, which is currently one of the lowest rates in the country for PCP car finance.

Most of our used car finance deals are based on either PCP car finance or lease purchase finance, both of which should save you a considerably amount of money compared to using dealer finance.

We can offer finance for most used vehicles up to 6 years old, providing the car is purchased from a reputable UK supplying dealer. We have a strong presence in the prestige car finance sector, so if you are buying prestige brands such as BMW, Audi, Mercedes, Lexus, Land Rover or Volkswagen, we should be able to offer you an even better deal!

Call us now to discuss the various options with one of our dedicated experienced advisers, you can call our sales team directly on 01925 589020.

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PCP Car Finance

One of the best ways to purchase a new or used car today, it allows customers to purchase a car of their choice at attractive fixed monthly finance payment, with the benefit of a low deposit outlay and a guaranteed minimum future value at the end of the agreement.

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Lease Purchase

Very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit.

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Hire Purchase

Very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest. Hire Purchase is a type of secured loan which are often preferred over alternative (unsecured) loans because they allow a greater borrowing limit.

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PCP Car Finance has become one of the best ways to purchase your new or used Audi. PCP Car Finance allows you to purchase any Audi of your choice, at an affordable fixed monthly cost,

If you prefer, why not drop us the details of the used Audi you are interested in, together with reg, mileage and vehicle price and we will get back to you with our numbers, you wont be disappointed! Alternatively, give us a call on 01925 589020 and we can let you have figures over the phone

Alternatively, give us a call on 01925 589020 and we can let you have figures over the phone


    Benefits of PCP Car Finance

    ●  Lower deposits available.
    ●  Flexible Term – 24 to 60 Months.
    ●  Fixed repayments.
    ●  Guaranteed final payment.
    ●  Lower monthly repayments.
    ●  Opportunity of equity.

    The used car PCP Finance plan provides the opportunity of driving a higher specification vehicle at a reduced monthly oulay, unlike traditional methods of car finance, this is achieved by deferring a lump sum percentage of the vehicle price to the end of the contract, this lump sum is known as the guaranteed minimum future value [GMFV].

    This GMFV is the key difference between PCP and traditional methods of car finance such as Hire Purchase or personal loan. The GMFV plus your deposit is deducted from the selling price of the vehicle and your monthly payments are based on the finance balance (plus interest on the balance and the GMFV). You payments are normally lower than traditional funding methods as you are essentially only financing the depreciation of the car.

    Excess Mileage

    At the beginning of the agreement, you decide on the total mileage you expect to do. If, at the end of the agreement, having chosen to hand your Mercedes back to the finance company, your mileage exceeds the agreed level, you simply pay a fixed amount for every extra mile.

    Wear & Tear

    It is in your interest to minimise ‘wear and tear’ on your Mercedes 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 Mercedes is in fair working order, condition and repair.

    Benefits of Lease Purchase

    • ●  Lower deposits available.
      ●  Flexible Term.
      ●  Cost effective rentals due to residual values.
      ●  No tie to mileage contract.
      ●  Settlement can be made at any stage of the agreement.

      Lease Purchase is sometimes referred to as Hire Purchase with a balloon and is structured in a similar way to Personal Contract Purchase or PCP car finance.

      The customer will normally benefit from a slightly lower finance rate 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. 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 3 or 4 years typically.

      The residual value (RV) (sometimes called the balloon) at the end of the agreement reduces the regular monthly payments accordingly, thus making vehicles that have strong residual values more suitable for this type of product as they make repayments far more affordable.

      The final payment (RV) is calculated and set at the beginning of the lease purchase finance agreement but is not payable until the end of the agreement, there are realistically two options 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 re-financed again.


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    Call us now on 01925 589020 for your quote with our latest rate and offers and let's see how much we could save you!

    Capital Car Finance Ltd are fully authorised and regulated by the Financial Conduct Authority for consumer credit activity (FCA Registration Number 685925) We are a credit broker and not a lender, which means we act independently as an intermediary for a number of different finance providers.

    We may receive a payment or other benefits from our finance provider should you decide to enter into an agreement with them, typically this is either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between different finance providers and product types. However, the payment received does not impact the finance rate offered. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.

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