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Hi guys, I'm new here <img src="http://www.capturownersclub.co.uk/forum/smileys/smiley17.gif" align="middle" />

I've fallen in love with the captur and want to get it on PCP. This'll be the first time I've ever got a car this way, and my hubby (whose a bit old school) will be seriously sceptical about not owning it outright (despite the obvious benefits).

I've scoured the internet for online PCP brokers, or brokers who can find me the captur cheaper than the dealership list price (with a view to me finding the PCP deal elsewhere), but can anyone personally recommend any broker who they got a good deal/service with?

When I asked about negotiating the a)monthly payment figure or b) free extras (I'm after a top spec model) my dealership said "renault don't negotiate on finance or extras" - I'm not convinced about this as is as Bristol Street motors were doing a PCP deal on the same configuration for about £30 less per month...

Any views on this?!?! <img src="http://www.capturownersclub.co.uk/forum/smileys/smiley9.gif" align="middle" /> Edited by: MrsMK
 

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I got nowhere with dealers when trying to get a discount (despite calling in person rather than telephoning). So long as you can be sure of either having the money to pay the lump sum at the end to own the car, or handing it back then Renault's PCP terms don't seem too bad.However I found it cheaper to take my own personal loan out then secured a discount by phone which means that I am ending up paying a little more each month for the car, but no lump sum to be put down at the start, plus I own the car outright when the loan is repaid, and the loan is not secured on the car so if it proves troublesome I can sell it at any time.
 

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MrsMK said:
Hi guys, I'm new here <img src="http://www.capturownersclub.co.uk/forum/smileys/smiley17.gif" align="middle" />

I've fallen in love with the captur and want to get it on PCP. This'll be the first time I've ever got a car this way, and my hubby (whose a bit old school) will be seriously sceptical about not owning it outright (despite the obvious benefits).

I've scoured the internet for online PCP brokers, or brokers who can find me the captur cheaper than the dealership list price (with a view to me finding the PCP deal elsewhere), but can anyone personally recommend any broker who they got a good deal/service with?

When I asked about negotiating the a)monthly payment figure or b) free extras (I'm after a top spec model) my dealership said "renault don't negotiate on finance or extras" - I'm not convinced about this as is as Bristol Street motors were doing a PCP deal on the same configuration for about £30 less per month...

Any views on this?!?! <img src="http://www.capturownersclub.co.uk/forum/smileys/smiley9.gif" align="middle" />

Why don't you look at MayBE getting a demo on PCP ??
There usually specked higher
 

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I looked at PCP but when I had a trade in it was better to go for the interest free option as it gave me a very slightly higher cost but after 4 years I still had collateral by way of trade in value of the captur. Worth looking at...
 

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Discussion Starter #5
Simpson, is that interest free HP you mean? Renault Westcroft didn't have a 0% pcp option (unlike Mitsubishi, who are practically giving their cars away ATM!) but I didn't look I to HP as I have no desire to own the car at any point...will check again. Thanks guys
 

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IMO, personal leasing is the way forward with some great deals out there. I like to change my car every three years, you got to weigh up how much the car is worth at the beginning, how much your paying monthly either through lease, car finance or loan and the final amount your paying. Before I got mine through a work salary sacrifice, I asked a renault dealer and was quoted just over £200 a month on a dynamique on lease ( I thought that was pretty good) but my work offers was too good to resist.
 

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I have in the past bought on pcp over 2 years and paid it off at end for the last 2 meganes but kept them for 4 and 6 years...the captur I went for 4 years pcp....my thinking is not to pay off and get another new car...
 

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I got mine through affinity leasing which my employer the royal mail has an agreement with but friends and family can use too. In our current magazine the have the captur for £145 per month with £1500 deposit and 5000miles per year, extra mileage works out at about £2 extra per 1000 each month. Google affinity leasing, deposits,term and mileage can be suited to your needs. Got mine delivered in 2 weeks from order, 1.5 dymanique medianav.
 

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Regarding brokers I purchased a Jaguar XF through Carfile.net a couple of years back. All monies were paid direct to the supplying dealer who then paid the broker themselves. Absolutely painless, been around for a good few years, highly recommended by WhatCar.
Definitely worth a call.
 

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Look at how much VAT you pay, a lot of those schemes are for businesses that can claim the VAT back. It is not the cheapest way. Bank loan is better.
 
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