Capital Car Finance

Capital Car Finance Capital Car Finance Limited is a credit broker and not a lender. Our rates start from 7.9% APR. No inflated rates. No high-pressure tactics.

The rate you are offered will depend on your individual circumstances. 8.9% APR Representative. Established in 2007, Capital Car Finance is one of the UK’s original online car finance brokers specialising in super-prime Personal Contract Purchase (P*P) car finance. We're a small, family-run business, FCA-regulated and focused on clear, honest support. Just transparent quotes, competitive rates and

5-star service. Our rates start from just 7.9% APR! We are a credit broker not a lender. Representative 8.9% APR

When you're choosing who to trust with your car finance, credentials matter. Capital Car Finance is fully authorised and...
10/06/2026

When you're choosing who to trust with your car finance, credentials matter. Capital Car Finance is fully authorised and regulated by the Financial Conduct Authority, so you can compare options with confidence. We're a credit broker, not a lender, which means our job is to work for you and find finance that genuinely fits. No pressure, no dealership upsell. Just clear, regulated, consumer-first guidance. Ready to see what works for you? Get a quote with Capital Car Finance today.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

The finance offered at the dealership is rarely the best deal on the table. It is simply the most convenient one for the...
07/06/2026

The finance offered at the dealership is rarely the best deal on the table.

It is simply the most convenient one for them. Before you sign anything, it is worth weighing up your options with an independent broker who works with a panel of lenders to find a rate that suits you. Our representative APR is 8.9%, often well below what the forecourt will quote, and checking costs you nothing. Compare before you commit. Get your free quote in 30 seconds with no impact on your credit score.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

*PFinance

Getting the keys to your next car should not feel like the hardest part.We keep the whole process simple from the very f...
02/06/2026

Getting the keys to your next car should not feel like the hardest part.

We keep the whole process simple from the very first step: one free quote, one dedicated finance consultant, and a clear answer on your options without the jargon or the runaround. No call centres, no pressure, just a straightforward route from enquiry to driving away. Start your free quote today. It takes 30 seconds and has no impact on your credit score.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

31/05/2026

Most people compare cars for weeks. They compare finance for about ten minutes. That tends to be the single most expensive ten minutes of the whole purchase. Dealership finance is convenient, but convenient and competitive are not the same thing.

A second quote takes 30 seconds, costs nothing, and leaves your credit score untouched. Worst case, you confirm the dealer offer was fair. Best case, you save thousands across the term.

Get your free quote first, then walk into the showroom with leverage. Start at capitalcarfinance.co.uk.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

You have found the car. The dealer slides a finance proposal across the desk. The numbers look fine. Or do they? If you ...
28/05/2026

You have found the car. The dealer slides a finance proposal across the desk. The numbers look fine. Or do they?

If you cannot tell whether 11.9% is a good rate, whether the balloon payment is reasonable, or whether the monthly figure actually reflects the term length, you are not alone. Most people sign because they trust the room, not the maths. A second opinion takes 30 seconds and does not touch your credit score. One of our consultants will talk you through the offer in plain English and tell you honestly whether you can do better.

No pressure, no sales script. Start your free quote at capitalcarfinance.co.uk.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

Before you sign any car finance agreement, there are three numbers that matter more than the monthly figure. First, the ...
24/05/2026

Before you sign any car finance agreement, there are three numbers that matter more than the monthly figure. First, the APR, because that tells you the true cost of borrowing rather than just what's leaving your account each month. Second, the total amount payable across the full term, because the monthly payment alone won't show you the bigger picture. Third, the optional final payment if you're looking at P*P, because that's the lump sum waiting at the end of your agreement.

Knowing all three puts you in control of the conversation. If you're not sure what yours look like, we'll talk you through it. Start your free quote at capitalcarfinance.co.uk — 30 seconds, no impact on your credit score.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.
Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

*PFinance

Most people accept the first finance offer they're handed at the dealership. It's understandable. You're already excited...
20/05/2026

Most people accept the first finance offer they're handed at the dealership. It's understandable. You're already excited about the car, the paperwork is in front of you, and signing feels like the natural next step. But the rate on that desk is one option, not the only option. A quick comparison takes 30 seconds and could save you hundreds across the term of your agreement. Check what else is available before you commit. Start your free quote at capitalcarfinance.co.uk — no impact on your credit score.

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.
If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

*PFinance

17/05/2026

P*P or Lease Purchase? It's the question almost every buyer asks, and the honest answer is that neither is "better." It comes down to what you actually want to do with the car. P*P keeps your options open at the end of the term, hand it back, swap it, or buy it outright. Lease Purchase is built for buyers who already know they want to own the car at the end and want a structured way to get there. The right product depends on your plans, your mileage and your budget, which is exactly the conversation our consultants are there to have with you. No pressure, no script, just clear guidance from people who do this every day. Start your free quote today and we'll talk you through the option that actually fits.

*PFinance

Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

Most buyers go car first, finance second. The smart ones do it the other way round. Sort your finance before you set foo...
12/05/2026

Most buyers go car first, finance second. The smart ones do it the other way round. Sort your finance before you set foot on the forecourt and the whole conversation changes. You walk in knowing your rate, your monthly figure, and exactly what you can comfortably afford. The dealer can't shape the deal around their commission when you've already got yours sorted. Free quote in 30 seconds, no credit score impact, real consultants on the phone rather than a call centre.

Start your free quote today and shop with the numbers already on your side.



Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment (6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.

If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

416 verified reviews. A perfect 5.0 rating. 18 years in business. That kind of track record doesn't happen by accident. ...
10/05/2026

416 verified reviews. A perfect 5.0 rating. 18 years in business. That kind of track record doesn't happen by accident.

At Capital Car Finance every customer works with their own dedicated finance consultant from start to finish. Real experts, real conversations, real results. The kind of service that gets recommended to friends and family.

Get your free quote today at the link in bio.



Representative Example (P*P): Vehicle price £25,000. Deposit £2,500. Balance to finance £22,500. 48 monthly payments of £346.31. Optional final payment ( 6k miles p.a.) £12,250. Total amount payable £31,026.57. Representative APR 8.9%.

Capital Car Finance is a trading name of Capital Car Finance Limited. Company Number 06041030, correspondence address 10 Alvaston Business Park, Middlewich Road, Nantwich, Cheshire, CW5 6PF. Capital Car Finance Limited is authorised and regulated by the Financial Conduct Authority under reference No. 685925. We act as a credit broker, not a lender.

We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work. The commission we receive is either a fixed payment or a fixed percentage of the amount you finance, and can vary by lender. This does not impact the rate you are provided, and you can request further information on this at any time. Please note we do charge a fee for our services and you will be provided with a full breakdown of all charges prior to entering into an agreement with us.
If you choose to proceed with a lender, a full credit search will be carried out by that lender as part of their underwriting process.

Address

Capital Car Finance Limited, 10 Alvaston Business Park
Nantwich
CW56PF

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441925589020

Website

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