Paying too much for your PCP?

I’m sure most of us have considered remortgaging our homes in order to obtain a lower interest rate, or switching our energy to an another provider to save money on our gas and electricity, so why not switch your car finance too.

Here at refinance-mycar.co.uk we make it so easy to switch you current car finance agreement to a new one. We have low rate car finance deals from 8.9% APR, so you could save hundreds and in some cases thousands of pounds over the agreement term.

For an instant PCP quote to compare, simply enter your details in our pcp calculator below and see how much you could save!

refinance-mycar from 5.9% APR
Step-One
Step-Two
Min £5000 – Max £80,000
Term – How Many Months
Min 0 – Max 50%
Mileage Per Annum

My credit score is

You have a long-standing credit history and make all repayments on time. You have no outstanding CCJs, have never defaulted on payments or been rejected for credit in the past.

You have had credit in the past with none to very few missed payments. When you apply for credit, you’re likely to be accepted but haven’t always been offered the lowest interest rates.

You have had credit in the past but occasionally missed some payments or gone over your credit limit. You aren’t always offered the lowest rates and may have sometimes been rejected.

You may have been accepted for credit in the past, but at a high interest rate or a large deposit may have been needed. Lenders may see you as risky due to missed payments in the past.

You find it difficult to be approved for credit as lenders will see you as high risk due to missed payments, or financial difficulties in the past e.g. bankruptcy.

Representative Example

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 £391.58, with a Representative APR of 9.9%, your final payment would be £10,500, giving a total amount payable of £31,404.26.

Capital Car Finance Limited is a credit broker and not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances.

PCP
LP

We’ll search for PCP offers from our panel of lenders

Your payments could be as low as.

–

Based on your credit score

Vehicle Price –
Deposit –
Finance Amt –
Final Payment –
Finance Term –
Total Payable –
Representative APR –
Annual Mileage –

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

Vehicle Price –
Deposit –
Finance Amt –
Final Payment –
Finance Term –
Total Payable –
Representative APR –
Annual Mileage –

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.

Already found your dream car?

Call us now on 01925 589020 for your bespoke quote!

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Tell us a little more…




Enter your preferred deposit, term and miles pa on the next step

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Build your quote

What is your credit history like?
i
Excellent
UK Resident, Min 3 Years Voters Roll History, Min 3 Years Full Time Employment, No Adverse credit. [suggested Experian score 950+]
Good
UK Resident, Min 2 Years Voters Roll History, Min 2 Years Full Time Employment, No Adverse credit. [suggested Experian score 850+] 10% Min Deposit
Average
UK Resident Min 2 Years Voters Roll History, Min 2 Years Full Time Employment, No CCJ’s or Defaults. [suggested Experian score 750+] 20% Min Deposit
Average
Good
Excellent
How many miles do you travel per year?5k
25k
How long do you want to pay back the loan?24 Months
48 Months
How much deposit would you like to pay?Min
Max

Your car & payments

 

Lease Purchase


Per month

Select

PCP 


Per month

Select
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Deposit
Balance to finance
Final payment
Finance Term
Total amount payable
Representative APR
Annual mileage

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Finance Enquiry

Just a few more details to complete your enquiry

Chosen Finance Product

Lease Purchase
Personal Contract Purchase (PCP)









  



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6 great reasons to choose us?

We make it easy to switch your PCP

No call centres, just professional, independent friendly advice.

You could save thousands with refinance-mycar.co.uk

We have no fewer than 5 different lenders for PCP and Lease Purchase.

Are you paying too much for your PCP?

We can now arrange your car re-finance on vehicles up to 5 years old.

Low rates from 5.9% APR

We specialise in low rate PCP Car Refinance and Lease Purchase Refinance schemes.

Refinance-mycar.co.uk can pay off your existing lender directly.

We pay your current car finance provider directly and clear off your outstanding balance,

We offer a personal one to one service

You deal directly with your own personal adviser, making the process nice and smooth.

Am I eligible for car refinance?

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.

We are a SAF approved car finance provider
check out our 5 star reviews for pcp car refinance

What are the benefits to PCP car refinance?

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 advisers are here to offer you a personal one-to-one service to make sure you fully understand your options and how much we can save you.

Generally, the longer left on your agreement, the more money you are likely to be saving, one important thing to consider is the total amount payable, this is the total amount of interest you are paying back to the lender.

Our advisers are here to help you, we are an established car finance provider and have been trading for over 15 years so you are in safe hands.

 

Get a PCP quote now from just 5.9% APR
What are the benefits of car refinance

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.

Your journey starts here!

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.

Upgrade your ride today with the best car deals in town!

How to apply?

If you would like to apply or require any more information regarding switching your current PCP car finance, simply call us on 01925 589020 to discuss your options.

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