Crossword Genius

Get a new car on account; but some capital required (5)

Ross

I believe the answer is:

accra

I'm a little stuck... Click here to teach me more about this clue!

'get a new' is the definition.
I can't judge whether this defines the answer.

'car on account but some capital required' is the wordplay.
I cannot really understand how this works, but
an anagram of 'car' is 'cra' which is located in the answer.
'account' could be 'ac' (abbreviation for account) and 'ac' is located in the answer.
No letters remain.
This may be the basis of the clue (or it may be nonsense).

Can you help me to learn more?

(Other definitions for accra that I've seen before include "Ghanaian city" , "foreign capital" , "Ghanaian capital" , "Ghana's capital" , "African city" .)

I've seen this clue in The Globe and Mail.
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