Switch your current car finance agreement to a new one. Our rates start from 7.9% APR, meaning you could save thousands
Rates from 7.9% APR. Representative APR 8.9%. Capital Car Finance Limited is a credit broker, not a lender.
Your PCP Quote In Just 30 Seconds!
| credit score | credit score | credit score | credit score | credit score |
|---|---|---|---|---|
| excellent | good | fair | poor | bad |
| rates from | rates from | rates from | rates from | rates from |
| 7.9% APR | 8.9% APR | 11.9% APR | 16.9% APR | 22.9% APR |
Using a vehicle price of £25,000 with a deposit of £2,500, the balance to finance would be £22,500 and your monthly payments over 48 months would be £354.42, with a Representative APR of 9.9%, your final payment would be £12,331, giving a total amount payable of £31,843.16.
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
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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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Refinancing your car shouldn’t feel overwhelming. At Refinance My Car, our simple 5-step process makes the switch smooth and stress-free, guiding you from quote to completion with confidence and complete peace of mind.
Start your journey with a free, no-obligation quote that won’t affect your credit score. We’ll compare options across our panel of trusted lenders to find the best refinance deal tailored to your needs.
Complete a quick, no-obligation eligibility check with no impact on your credit score. We’ll match you with the most suitable lender and show you your acceptance chance and the rate you can expect, so you can move forward with confidence.
Once you have your settlement letter from your current lender (or know the balance required to clear your existing finance), we’ll confirm your new refinance figures so you can see exactly how much you’ll be saving.
We take care of everything — finalising your new quote, securing lender approval, and arranging payment directly with your current finance provider. The transition is seamless as the whole process can be completed quickly by phone or email.
Sign your refinance documents digitally, and we’ll handle the rest. Your old agreement is settled, your new finance is in place, and you can enjoy lower payments or keep your car for longer — all through our efficient, 5-star rated service.
Start your journey with a free, no-obligation quote that won’t affect your credit score. We’ll compare options across our panel of trusted lenders to find the best refinance deal tailored to your needs.
Complete a quick, no-obligation eligibility check with no impact on your credit score. We’ll match you with the most suitable lender and show you your acceptance chance and the rate you can expect, so you can move forward with confidence.
Once you have your settlement letter from your current lender (or know the balance required to clear your existing finance), we’ll confirm your new refinance figures so you can see exactly how much you’ll be saving.
We take care of everything — finalising your new quote, securing lender approval, and arranging payment directly with your current finance provider. The transition is seamless as the whole process can be completed quickly by phone or email.
Sign your refinance documents digitally, and we’ll handle the rest. Your old agreement is settled, your new finance is in place, and you can enjoy lower payments or keep your car for longer — all through our efficient, 5-star rated service.
No call centres, just professional, independent friendly staff.
We have no fewer than 8 different lenders for PCP and Lease Purchase.
We can now arrange your car re-finance on vehicles up to 5 years old.
We specialise in low rate PCP and Lease Purchase Refinance.
We pay your current lender directly and clear off your outstanding balance,
You deal directly with your own personal adviser, making the process nice and smooth.
As part of the new FCA regulations, all regulated finance agreements offer a rebate of interest for early settlement [not applicable for business loans] therefore to refinance your car with another lender at a lower rate will save you money.
As an example, you may have taken out a PCP or Hire Purchase from your supplying dealer recently and not realised that you are probably paying over the odds in interest charges Alternatively, you may have a PCP coming to the end of its contract period and would prefer to keep the vehicle a little longer and in both scenarios, Refinance-mycar.co.uk can help.
To save money, the obvious one of course, but you need to consider your options very carefully and not take just out another loan agreement without looking closely at the terms and conditions first.
Our team is here to give you clear, one-to-one guidance so you fully understand your options and how much you could potentially save.
The longer you have left on your current agreement, the greater the potential savings. What really matters though, is the total amount payable — that’s the full cost of interest you’ll repay to the lender over the term.
With over 18 years’ experience as an established car finance broker, you can trust that you’re in safe hands.
To keep your car longer – if you’re current car finance deal is coming to the end and are happy with the vehicle and see no reason to change, to re-finance the vehicle again gives you the option to keep your vehicle a little longer.
We’ve been treating customers fairly since 2007, so you can trust us to guide you through every step of the process. Say goodbye to stress and hello to a smooth and enjoyable car finance experience.
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Car refinance allows you to switch your existing PCP or Hire Purchase agreement to a new lender at a lower interest rate. Many customers take out dealer finance and only later realise the APR is higher than it should be. By refinancing, you can reduce your monthly payments, save money on interest, or keep your current vehicle for longer without committing to a new car.
We settle your existing finance directly with your current lender and arrange a new agreement with one of our specialist refinance funding partners. This makes the process simple, transparent and stress-free. Customers often refinance mid-term or at the end of their PCP agreement when facing a high balloon payment.
Refinance-mycar.co.uk is part of Capital Car Finance Limited — an established FCA-regulated broker with over 18 years’ experience helping UK customers secure fair, competitive car finance rates.
Most customers choose car refinance for one of three reasons. The first is high dealer APR — many finance agreements arranged at the dealership include inflated rates. Switching to a lower APR can significantly reduce the total amount payable.
The second is an end-of-term PCP balloon. If you want to keep the vehicle but don’t want to pay the optional final payment in one lump sum, refinancing the balloon spreads the cost into low monthly instalments.
The third is a mid-term refinance to reduce monthly payments. Because regulated agreements include a statutory rebate of interest when settled early, switching lender partway through your contract can still generate meaningful savings.
Regardless of the situation, we handle the full settlement process on your behalf and organise a new agreement at a fair, competitive rate.
All regulated car finance agreements include a rebate of interest if you settle the agreement early. This means you only pay interest for the period you have borrowed the money. When refinancing, we contact your existing lender, request an official settlement figure, and pay it off directly on your behalf.
Your new agreement then begins with one of our lending partners. There are no changes to your vehicle, ownership, or mileage limits — you simply switch the finance to a more favourable arrangement. As a credit broker, not a lender, we compare multiple lenders to ensure the APR is suitable for your needs and circumstances.
Every application is assessed fairly, and we will only recommend refinancing where it is appropriate and in your best interests. You will always receive clear information about the total amount payable, term options and representative APR.
Drivers with existing PCP or Hire Purchase agreements can normally qualify for refinance as long as the vehicle is within acceptable age and mileage criteria. We work with super-prime lenders that specialise in competitive refinance rates starting from 7.9% APR for eligible customers.
Applications are welcomed from customers who want to reduce their monthly costs, refinance a balloon payment, or simply move away from a high-interest dealer agreement. We provide direct one-to-one guidance so you understand exactly how much you could save and whether refinancing is the right choice for you.
With over 18 years’ experience and thousands of satisfied customers, our family-run brokerage offers transparent advice, competitive rates and a smooth, friendly refinance process from start to finish.
When you refinance your car, you are effectively replacing your current car finance agreement with a new deal that better suits your situation. Many drivers consider refinancing because their existing credit terms, interest rate, or monthly payment no longer feel competitive.
A refinance agreement works by using a new lender to settle your previous finance balance, giving you a refreshed deal, improved payment structure, or a lower rate. This process is commonly used online, as the internet makes it easier to compare refinance offers and secure the best option.
Customers often save money by switching to a more favourable deal, particularly when their credit score has improved or when lender rates have changed. A refinance plan can also help reduce payments or adjust the term to fit your budget more comfortably.
Many people refinance their vehicle to gain control over their current finance agreement. Some want to secure a better finance deal or adjust the payments to suit their lifestyle, while others want to purchase their car outright by refinancing the final balloon payment.
Refinancing is also helpful for customers who originally accepted higher interest rates at a dealership. By switching to a new lender, it’s possible to save money across the term while keeping the same vehicle you already know and trust.
Whether it’s improving the rate, lowering monthly costs, or extending the term, refinancing gives you choices that your original agreement may not have offered.
Refinancing can help lower the cost of your finance by offering a more competitive deal than the one you currently have. If lender rates have dropped since your original purchase, or your credit profile has strengthened, a new agreement may offer a noticeable saving.
Some drivers use refinancing to bring their monthly payment down, while others focus on shortening the term or refinancing the balloon payment at the end of a PCP plan. Either way, the aim is to secure a finance deal that gives better value for money while keeping the same vehicle.
Online refinancing has become increasingly popular because customers can quickly compare different lenders and secure deals that reflect the current market conditions.
The online refinancing process is simple. You begin by completing a quick finance check, after which a lender reviews your current agreement, credit status, and the remaining balance on your vehicle. Once the application is approved, the new lender settles your existing agreement directly with your current finance provider.
This streamlined process means customers can switch to a new finance plan without needing to change vehicles or visit a dealership. Everything is handled via secure online systems, making it easy to review deals, compare interest rates, and sign the new agreement from home.
Refinancing online is a practical way to manage your existing finance, especially when you want to keep the car but enjoy a better deal from a reputable lender.
Car refinancing deals are increasingly managed online, giving customers easier access to banking-style tools, real-time agreement reviews, and secure lender communication. Many drivers log in to check their current finance status before exploring a new deal that fits their needs.
