Build Your Quote In Just 30 Seconds! Use our simple lease purchase calculator to estimate your monthly payments based on your budget, with no impact on your credit score. Capital Car Finance specialises in super-prime Lease Purchase finance.
Lease Purchase car finance offers a flexible way to own your vehicle, using a final balloon payment to reduce your monthly costs. Capital Car Finance provides prime customers with low-rate LP finance options tailored to vehicle price, deposit, term and mileage.
With over 18 years of experience as an FCA-regulated car finance broker, we compare lenders to secure competitive Lease Purchase terms. Our streamlined digital quote process gives you personalised results within seconds, without affecting your credit score.
| 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 and a deposit of £2,500, the balance to finance would be £22,500, giving monthly payments of £346.31 over 48 months. The final payment based on 6k per annum would be £12,250 with a total amount payable of £31,026.57.
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
We'll search for PCP 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.
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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No effect on your credit scoreIt takes less than 60 secondsFinding your next car shouldn’t be a daunting task, at Capital Car Finance, we do our best to make it an enjoyable journey. Our straightforward 5-step approach takes the stress out of car buying, whilst guiding you every step of the way.
Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.
With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.
Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.
Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.
It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!
Start your adventure with a risk-free quote that won’t impact your credit score. Our panel of lenders will assess your application to provide you with tailored finance options that suit your individual needs.
With your car finance secured, embark on your car search with confidence! You’ll be paired with a dedicated account manager who will offer you the best quote available. This clarity allows you to budget effectively as you explore your options.
Select your car from any reputable dealer across the country! Should you need assistance in narrowing down choices, just share your preferences with your account manager, and they will promptly send over tailored suggestions to match your taste.
Once you've shortlisted potential cars, we take over by conducting dealer checks and confirming availability. This ensures you're equipped with all necessary information to make an informed decision without hassle.
It’s time for the exciting part – signing the finance documents and hitting the road! With our process it’s easy, convenient, and hassle-free, you'll be driving off in no time!
Lease Purchase (LP) is a fixed-term agreement with a larger final payment at the end. You make lower monthly payments during the term and settle the final balance to take ownership, or refinance the balance if preferred.
Your monthly instalments cover part of the vehicle cost plus interest, with an agreed final balloon payment due at the end. Unlike PCP, there’s no option to simply hand the car back—LP is aimed at customers planning to keep the vehicle.
Compared with Hire Purchase, LP can keep monthly payments lower thanks to the larger final payment. Compared with PCP, LP is usually chosen when ownership at the end is the goal and mileage/condition return rules are not required.
Lender rates depend on credit profile, vehicle price, deposit, term and the agreed final payment. Super-prime customers typically qualify for our most competitive APRs on used vehicles.
At the end of an LP agreement you pay the final balloon to own the car or arrange refinance for that balance (subject to status). Part-exchange may also be possible if the vehicle’s value covers the settlement.
LP is popular on used cars where predictable depreciation allows a sensible final payment, keeping monthly instalments affordable without sacrificing ownership plans.
You can use our soft eligibility check first—this does not affect your credit score. A full credit search is performed only if you proceed with an application.
Yes—once you pay the final balloon (or refinance it), you take ownership of the vehicle.
PCP includes an option to return the car at the end; LP is designed for customers planning to keep it.
Subject to status and lender criteria, refinancing the balloon is often possible at the end of the term.
No—the initial check is a soft search. A full search is only performed if you apply.
Lease Purchase is a flexible finance option designed for drivers who intend to own the vehicle at the end of the agreement. It works similarly to a Personal Contract Purchase (PCP) but is structured with a larger optional final payment, often called the balloon, which helps keep the monthly payments lower during the contract.
This makes Lease Purchase ideal for customers looking to pay a manageable monthly amount while planning ahead for full vehicle ownership. You can choose a contract length, deposit amount and annual mileage that suits your personal budget and driving habits.
Whether you're considering a new car, a used model or a specialist vehicle such as high-performance or prestige makes, Lease Purchase offers a clear, structured way to finance your next purchase.
Your Lease Purchase agreement is built around the deposit you choose, the monthly payment you want to achieve and the final balloon amount that you will pay to own the vehicle outright. The balloon is based on the predicted future value of the car and helps reduce the monthly payments during the term.
Each agreement includes:
This structure gives you a clear route to ownership with predictable monthly payment amounts throughout the contract.
When comparing Lease Purchase deals, it’s important to look closely at the deposit, monthly payments and final balloon amount. These three elements determine the total amount payable and help you assess whether the agreement fits your personal financial plans.
Lease Purchase can be a strong choice for drivers interested in higher-value used vehicles, where the balloon helps maintain affordable monthly payments. Many customers also prefer this option for makes such as Volkswagen, Audi and BMW due to the predictable depreciation and clear ownership path.
Your tailored Lease Purchase illustration will show the full contract details, including the monthly payment breakdown, the balloon figure and the total amount repayable over the term. This helps you compare offers and choose a vehicle and agreement that suit your needs and preferences.
With our experience in both prime and super-prime motor finance, we help customers secure Lease Purchase deals with fair, transparent terms and a clear route to vehicle ownership.
