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Capital Car Finance

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Capital Car Finance

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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

03/11/2026

Bonfire Night's on Thursday.

Bangs, sparks and surprises are half the fun. Just not in your car finance.

That bit should be calm. Quick to start, explained in plain English, and no shocks at the last minute.

Tell us about the car and your budget. We'll search our panel of lenders and give you a full breakdown of any charges before you agree to anything.

Get your quote at the link in bio. Then go and enjoy the show.

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.

31/10/2026

Still thinking about that car from Saturday?

The colour. How it drove. The fact you've already pictured it parked outside.

We've all been there.

What usually holds people back is the finance. Not knowing what they can afford, or where to start.

That's where we come in. Tell us about the car and your budget, and we'll search our panel of lenders to find an option that suits you. No pressure, no jargon.

Start your quote tonight 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.

*PFinance

27/10/2026

You knocked a bit off the price. Nice work.

Then the finance comes up, and it's easy to just nod it through.

That's where a good deal can slip away. A higher rate, spread over a few years, can cost you more than you saved on the forecourt.

So before you sign, let us take a look. We'll search our panel of lenders and show you what you'd actually pay, in plain English.

Get your quote 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.

25/10/2026

Guessed your miles a bit low? It can cost you later.

On a P*P, you agree an annual mileage at the start. A lower figure can bring your monthly payment down, which is tempting.

But if you hand the car back over the limit, you'll pay an excess mileage charge for every extra mile.

So be realistic. Count the commute, the school run and the trips to see family. Then add a little extra.

Not sure what figure to pick? We'll help you work it out.

Get your quote 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.

*PFinance

20/10/2026

What actually is a balloon payment?

Everyone has a car finance question they'd feel a bit daft asking. Fair enough. Most of it is jargon.

Max, our AI assistant on WhatsApp, gives you a clear, plain-English answer in seconds. Ask as many as you like. No judgement.

When you're ready for a quote, our team takes it from there.

Message Max 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.

18/10/2026

Half-term's nearly here.

Then come weekend visits, bonfire nights and the long drive home for Christmas. The next few months put plenty of miles on the clock.

If your current car isn't up to it, now's a good time to get your finance sorted. You'll have time to choose the right car, without the last-minute rush.

Get your quote 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.

14/10/2026

Expecting a mountain of forms?

It's not like that here.

Start with a quick online enquiry. Then one of our team talks you through your options in plain English, answers your questions and handles the back and forth with lenders for you.

No forecourt pressure. No jargon. No runaround.

Get your quote 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.

13/10/2026

And the winner is... Capital Car Finance.

We're proud to share that we've been named Broker Partner of the Year at the MotoNovo Finance Extra Mile Awards 2026.

Going the extra mile is what our team does every day. Clear answers, honest guidance and real support from your first enquiry to the day you drive away.

Thank you to MotoNovo Finance, to our brilliant team, and to every customer who trusts us with their car finance. This one's for you.

Looking for car finance? Get your quote 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.

11/10/2026

Already sorted your car finance with us?

Pass it on.

If a friend or family member is looking for their next car, send them our way. With their permission, share their details through our quick referral form and we'll take it from there.

If they go ahead with finance through us, we'll send you a £100 voucher as a thank you.

Find the referral form at the link in bio. T&Cs apply.

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.

07/10/2026

Found the one? Great.

Now ask about the finance.

Dealer finance is quick and convenient, but it's still just one offer. Before you sign, it's worth seeing what else you could be approved for.

We work with a panel of lenders to try to find finance that suits you. We'll talk you through the APR, the monthly payment and the total amount payable in plain English, so you can decide with the full picture.

Get your quote 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.

*PFinance

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

https://bit.ly/48QxOXU

Alerts

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