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description=Looking for a better car finance deal? We can refinance your current car and reduce your monthly payments, switch and save now with rates from 8.9% APR;

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Text of the page (random words):
ased 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 apply now vehicle price deposit finance amt final payment finance term total payable representative apr annual mileage eligibility checker prev 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 free eligibility check before you apply for finance see how likely you are to be accepted check now finance eligibility checker our panel of carefully selected lenders ensures you get the best deals tailored to your needs apply for credit approval then go shopping no effect on your credit score it takes less than 60 seconds how it works 5 steps to making the switch 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 step 1 get a quote 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 step 2 get pre approved 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 step 3 provide your settlement figure 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 step 4 we handle the switch 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 step 5 complete the paperwork 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 step 1 get a quote 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 step 2 get pre approved 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 step 3 provide your settlement figure 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 step 4 we handle the switch 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 step 5 complete the paperwork 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 6 great reasons to choose us 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 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 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 expert guidance 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 your journey starts here 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 upgrade your ride today with the best car deals in town call us now on 01270 306000 for your quote with our latest rate and offers and let s see how much we could save you get quote understanding car finance refinance 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 why do people refinance their car finance 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 how car finance refinance works 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 who can apply for car refinance 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 refinance deals and car finance agreements 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 reasons drivers choose to refinance their vehicle 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 how refinancing your car finance can help you save 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 how online car refinancing works 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 rates from 7 9 apr representative apr 8 9 capital car finance limited is a credit broker not a lender quick links homepage about us contact us reviews faq general links pcp vs lease purchase finance products a guide to pcp how it works used car finance compliance complaint handling cookies policy privacy policy terms of service initial disclosure document contact us registered contact address capital car finance limited unit 10 alvaston business park middlewich road nantwich cheshire cw5 6pf email us sales capitalcarfinance co uk call us 01270 306000 refinance mycar co uk is a trading style of capital car finance ltd who are fully authorised and regulated by the financial conduct authority fca registration number 685925 we are a credit broker and not a lender which means we act as an intermediary to enable us to offer a wide range of products from a number of different lenders we will receive a commission payment from our finance provider should you decide to enter into an agreement with them typically this is either a fixed fee or a fixed percentage of the amount you borrow the payment we receive may vary between different finance providers and product types however the payment received does not impact the finance rate offered details of the amount of commission we receive will be provided for you prior to completion all finance applications are subject to status terms and conditions apply uk residents only 18 s or over guarantees may be required registered in england wales 6041030 fca authorised full permission no 685925 data protection dpa no z1023210 vat registration no 904 00 3481 registered office 10 alvaston business park middlewich road nantwich cheshire cw5 6pf telephone 01270 306000 this website and all its content are copyright of capital car finance limited 2022 all rights reserved any unauthorised copying duplication or reproduction of part or all its contents in any form is prohibited and will constitute an infringe ment of copyright phone calls may be recorded for training and monitoring purposes refinance my car 2025 terms of service privacy policy c...