Used Car Finance in Bicester
At Carnatics Motor Company Limited, we understand that financing a used car in Bicester can be a crucial part of your purchase. We offer competitive finance options tailored to meet your needs, ensuring you can drive away in your ideal car without financial strain. Visit us to explore your options!
£32,995
From £732.73/month
Porsche
Macan
3.0 V6 S SUV 5dr Petrol PDK 4WD Euro 6 (s/s) (340 ps)
£32,995
(From £732.73/month)
2018
36,000 miles
SUV
Petrol
Automatic
32.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £32,995 | Total Deposit: £3,299.50 | Total Amount of Credit: £29,695.50 | First Payment: £732.73 | 46 Monthly Payments: £732.73 | Final Payment: £732.73 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £5,475.54 | Total Amount Payable: £38,470.54 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£25,450
From £335.67/month
Tesla
Model Y
(Dual Motor) Long Range SUV 5dr Electric Auto 4WDE (384 bhp)
£25,450
(From £335.67/month)
2022
25,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £25,450 | Total Deposit: £2,545 | Total Amount of Credit: £22,905 | First Payment: £335.67 | 47 Monthly Payments: £335.67 | Final Payment: £14,024.06 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £7,231.22 | Total Amount Payable: £32,681.22 | Annual Fixed Interest Rate: 4.82% | Representative APR: 9.90%
£22,450
From £347.39/month
Audi
Q4 e-tron
35 S line SUV 5dr Electric Auto 55kWh (170 ps)
£22,450
(From £347.39/month)
2021
14,700 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £22,450 | Total Deposit: £2,245 | Total Amount of Credit: £20,205 | First Payment: £347.39 | 47 Monthly Payments: £347.39 | Final Payment: £9,368.10 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,837.82 | Total Amount Payable: £28,287.82 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£21,995
From £488.45/month
Audi
Q5
2.0 TFSI S line SUV 5dr Petrol S Tronic quattro Euro 6 (s/s) (252 ps)
£21,995
(From £488.45/month)
2017
27,500 miles
SUV
Petrol
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £21,995 | Total Deposit: £2,199.50 | Total Amount of Credit: £19,795.50 | First Payment: £488.45 | 46 Monthly Payments: £488.45 | Final Payment: £488.45 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,650.10 | Total Amount Payable: £25,645.10 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£19,995
From £444.04/month
BMW
X3
2.0 20d M Sport SUV 5dr Diesel Auto xDrive Euro 6 (s/s) (190 ps)
£19,995
(From £444.04/month)
2019
78,000 miles
SUV
Diesel
Automatic
44.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £19,995 | Total Deposit: £1,999.50 | Total Amount of Credit: £17,995.50 | First Payment: £444.04 | 46 Monthly Payments: £444.04 | Final Payment: £444.04 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,318.42 | Total Amount Payable: £23,313.42 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£18,995
From £421.83/month
Volkswagen
Touareg
3.0 TDI V6 BlueMotion Tech R-Line Plus SUV 5dr Diesel Tiptronic 4WD Euro 6 (s/s) (262 ps)
£18,995
(From £421.83/month)
2017
73,000 miles
SUV
Diesel
Automatic
41.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £18,995 | Total Deposit: £1,899.50 | Total Amount of Credit: £17,095.50 | First Payment: £421.83 | 46 Monthly Payments: £421.83 | Final Payment: £421.83 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,152.34 | Total Amount Payable: £22,147.34 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£18,895
From £296.85/month
Polestar
Polestar 2
Single Motor 78kWh Long Range Fastback 5dr Electric Auto FWD (231 ps)
£18,895
(From £296.85/month)
2023
48,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £18,895 | Total Deposit: £1,889.50 | Total Amount of Credit: £17,005.50 | First Payment: £296.85 | 47 Monthly Payments: £296.85 | Final Payment: £7,623.21 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,866.51 | Total Amount Payable: £23,761.51 | Annual Fixed Interest Rate: 4.88% | Representative APR: 9.90%
£17,999
From £261.17/month
CUPRA
Formentor
1.4 eHybrid 12.8kWh VZ2 SUV 5dr Petrol Plug-in Hybrid DSG Euro 6 (s/s) (245 ps)
£17,999
(From £261.17/month)
2021
66,000 miles
SUV
Petrol Plug-in Hybrid
Automatic
188.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,999 | Total Deposit: £1,799.90 | Total Amount of Credit: £16,199.10 | First Payment: £261.17 | 47 Monthly Payments: £261.17 | Final Payment: £8,526.04 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,863.10 | Total Amount Payable: £22,862.10 | Annual Fixed Interest Rate: 4.85% | Representative APR: 9.90%
£17,999
From £258.47/month
Nissan
Qashqai
1.3 DIG-T MHEV N-Connecta SUV 5dr Petrol Hybrid XTRON Euro 6 (s/s) (158 ps)
£17,999
(From £258.47/month)
2022
17,850 miles
SUV
Petrol Hybrid
Automatic
44.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,999 | Total Deposit: £1,799.90 | Total Amount of Credit: £16,199.10 | First Payment: £258.47 | 47 Monthly Payments: £258.47 | Final Payment: £8,684.68 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,892.14 | Total Amount Payable: £22,891.14 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£17,999
From £285.50/month
SEAT
Ateca
2.0 TDI XPERIENCE SUV 5dr Diesel DSG 4Drive Euro 6 (s/s) (150 ps)
£17,999
(From £285.50/month)
2022
51,900 miles
SUV
Diesel
Automatic
47.9 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,999 | Total Deposit: £1,799.90 | Total Amount of Credit: £16,199.10 | First Payment: £285.50 | 47 Monthly Payments: £285.50 | Final Payment: £7,102 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,606.90 | Total Amount Payable: £22,605.90 | Annual Fixed Interest Rate: 4.88% | Representative APR: 9.90%
£17,999
From £249.89/month
CUPRA
Born
58kWh V3 Hatchback 5dr Electric Auto (204 ps)
£17,999
(From £249.89/month)
2022
36,250 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,999 | Total Deposit: £1,799.90 | Total Amount of Credit: £16,199.10 | First Payment: £249.89 | 47 Monthly Payments: £249.89 | Final Payment: £9,186.56 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,982.18 | Total Amount Payable: £22,981.18 | Annual Fixed Interest Rate: 4.83% | Representative APR: 9.90%
£16,495
From £366.31/month
Volkswagen
T-Roc
1.5 TSI GPF EVO R-Line SUV 5dr Petrol Manual Euro 6 (s/s) (150 ps)
£16,495
(From £366.31/month)
2019
50,500 miles
SUV
Petrol
Manual
42.8 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £16,495 | Total Deposit: £1,649.50 | Total Amount of Credit: £14,845.50 | First Payment: £366.31 | 46 Monthly Payments: £366.31 | Final Payment: £366.31 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,737.38 | Total Amount Payable: £19,232.38 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£14,999
From £230.08/month
MINI
Electric Hatch
Cooper SE 32.6kWh Level 3 Hatchback 3dr Electric Auto (184 ps)
£14,999
(From £230.08/month)
2021
18,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,999 | Total Deposit: £1,499.90 | Total Amount of Credit: £13,499.10 | First Payment: £230.08 | 47 Monthly Payments: £230.08 | Final Payment: £6,376.79 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,921.53 | Total Amount Payable: £18,920.53 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£14,750
From £224.40/month
Peugeot
3008
1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£14,750
(From £224.40/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,750 | Total Deposit: £1,475 | Total Amount of Credit: £13,275 | First Payment: £224.40 | 47 Monthly Payments: £224.40 | Final Payment: £6,379.75 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,875.95 | Total Amount Payable: £18,625.95 | Annual Fixed Interest Rate: 4.86% | Representative APR: 9.90%
£14,395
From £205.81/month
SEAT
Arona
1.0 TSI FR Sport SUV 5dr Petrol DSG Euro 6 (s/s) (110 ps)
£14,395
(From £205.81/month)
2022
33,000 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,395 | Total Deposit: £1,439.50 | Total Amount of Credit: £12,955.50 | First Payment: £205.81 | 47 Monthly Payments: £205.81 | Final Payment: £6,998.50 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,921.88 | Total Amount Payable: £18,316.88 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£13,995
From £233.09/month
MG
MG HS
1.5 T-GDI 16.6kWh Exclusive SUV 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (258 ps)
£13,995
(From £233.09/month)
2020
32,000 miles
SUV
Petrol Plug-in Hybrid
Automatic
155.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,995 | Total Deposit: £1,399.50 | Total Amount of Credit: £12,595.50 | First Payment: £233.09 | 46 Monthly Payments: £233.09 | Final Payment: £5,920 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £4,279.73 | Total Amount Payable: £18,274.73 | Annual Fixed Interest Rate: 11.90% | Representative APR: 11.90%
£13,850
From £307.57/month
Kia
Stonic
1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)
£13,850
(From £307.57/month)
2019
11,500 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,850 | Total Deposit: £1,385 | Total Amount of Credit: £12,465 | First Payment: £307.57 | 46 Monthly Payments: £307.57 | Final Payment: £307.57 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,298.36 | Total Amount Payable: £16,148.36 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£13,495
From £299.69/month
Volvo
XC60
2.0 T5 Momentum Pro SUV 5dr Petrol Auto AWD Euro 6 (s/s) (250 ps)
£13,495
(From £299.69/month)
2019
133,500 miles
SUV
Petrol
Automatic
34 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,495 | Total Deposit: £1,349.50 | Total Amount of Credit: £12,145.50 | First Payment: £299.69 | 46 Monthly Payments: £299.69 | Final Payment: £299.69 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,239.62 | Total Amount Payable: £15,734.62 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£12,695
From £281.92/month
Kia
Niro
1.6h GDi GPF 3 SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) ( 16in Alloy) (139 bhp)
£12,695
(From £281.92/month)
2019
52,400 miles
SUV
Petrol Hybrid
Automatic
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,695 | Total Deposit: £1,269.50 | Total Amount of Credit: £11,425.50 | First Payment: £281.92 | 46 Monthly Payments: £281.92 | Final Payment: £281.92 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,106.66 | Total Amount Payable: £14,801.66 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,999
From £266.47/month
Audi
RS Q3
2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)
£11,999
(From £266.47/month)
2014
116,350 miles
SUV
Petrol
Automatic
32.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,999 | Total Deposit: £1,199.90 | Total Amount of Credit: £10,799.10 | First Payment: £266.47 | 46 Monthly Payments: £266.47 | Final Payment: £266.47 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,991.46 | Total Amount Payable: £13,990.46 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,950
From £265.38/month
Volvo
XC60
2.4 D5 R-Design Lux Nav SUV 5dr Diesel Geartronic AWD Euro 5 (215 ps)
£11,950
(From £265.38/month)
2015
110,000 miles
SUV
Diesel
Automatic
44.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,950 | Total Deposit: £1,195 | Total Amount of Credit: £10,755 | First Payment: £265.38 | 46 Monthly Payments: £265.38 | Final Payment: £265.38 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,983.24 | Total Amount Payable: £13,933.24 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£8,795
From £195.31/month
Mazda
MX-5
2.0i Venture Roadster 2dr Petrol Manual Euro 5 (160 ps)
£8,795
(From £195.31/month)
2012
66,800 miles
Convertible
Petrol
Manual
36.2 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £8,795 | Total Deposit: £879.50 | Total Amount of Credit: £7,915.50 | First Payment: £195.31 | 46 Monthly Payments: £195.31 | Final Payment: £195.31 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,459.38 | Total Amount Payable: £10,254.38 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£7,395
From £164.22/month
Renault
Captur
1.2 TCe Dynamique S MediaNav SUV 5dr Petrol EDC Euro 5 (120 ps)
£7,395
(From £164.22/month)
2015
62,500 miles
SUV
Petrol
Automatic
52.31 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £7,395 | Total Deposit: £739.50 | Total Amount of Credit: £6,655.50 | First Payment: £164.22 | 46 Monthly Payments: £164.22 | Final Payment: £164.22 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,227.06 | Total Amount Payable: £8,622.06 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£5,850
From £129.91/month
MINI
Countryman
1.6 Cooper D SUV 5dr Diesel Manual ALL4 Euro 6 (s/s) (112 ps)
£5,850
(From £129.91/month)
2014
89,000 miles
SUV
Diesel
Manual
60.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £5,850 | Total Deposit: £585 | Total Amount of Credit: £5,265 | First Payment: £129.91 | 46 Monthly Payments: £129.91 | Final Payment: £129.91 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £970.68 | Total Amount Payable: £6,820.68 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£5,750
From £127.69/month
Vauxhall
Corsa
1.4i ecoTEC Energy Hatchback 5dr Petrol Manual Euro 6 (75 ps)
£5,750
(From £127.69/month)
2017
60,000 miles
Hatchback
Petrol
Manual
55.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £5,750 | Total Deposit: £575 | Total Amount of Credit: £5,175 | First Payment: £127.69 | 46 Monthly Payments: £127.69 | Final Payment: £127.69 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £954.12 | Total Amount Payable: £6,704.12 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£3,999
From £88.81/month
Volkswagen
Golf
2.0 TDI GT (Leather) Hatchback 5dr Diesel Manual Euro 5 (140 ps)
£3,999
(From £88.81/month)
2012
115,500 miles
Hatchback
Diesel
Manual
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £3,999 | Total Deposit: £399.90 | Total Amount of Credit: £3,599.10 | First Payment: £88.81 | 46 Monthly Payments: £88.81 | Final Payment: £88.81 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £663.78 | Total Amount Payable: £4,662.78 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
Typical Representative Finance Example
| Product Personal Contract Purchase | Cash Price £18,950.00 |
| Total Deposit £2,842.50 | Total Amount of Credit £16,107.50 |
| First Payment £273.10 | 47 Monthly Payments £273.10 |
| Final Payment £7,693.28 | Agreement Duration 49 months |
| Admin Fee £0.00 | Option to Purchase Fee £1.00 |
| Interest Charges £4,694.58 | Total Amount Payable £23,644.58 |
| Annual Fixed Interest Rate 4.86% | Representative APR 9.90% |
| Product Personal Contract Purchase | Cash Price £18,950.00 | Total Deposit £2,842.50 | Total Amount of Credit £16,107.50 | First Payment £273.10 |
| 47 Monthly Payments £273.10 | Final Payment £7,693.28 | Agreement Duration 49 months | Admin Fee £0.00 | Option to Purchase Fee £1.00 |
| Interest Charges £4,694.58 | Total Amount Payable £23,644.58 | Annual Fixed Interest Rate 4.86% | Representative APR 9.90% |
| Product Personal Contract Purchase | Cash Price £18,950.00 | Total Deposit £2,842.50 | Total Amount of Credit £16,107.50 | First Payment £273.10 | 47 Monthly Payments £273.10 | Final Payment £7,693.28 |
| Agreement Duration 49 months | Admin Fee £0.00 | Option to Purchase Fee £1.00 | Interest Charges £4,694.58 | Total Amount Payable £23,644.58 | Annual Fixed Interest Rate 4.86% | Representative APR 9.90% |
We offer a variety of finance options including Hire Purchase (HP) and Personal Contract Purchase (PCP) to suit different budgets and requirements. Our team can provide detailed explanations and help you choose the best option for your needs.
Yes, we work with several lenders who specialize in providing finance options for individuals with varied credit histories. We encourage you to apply as we assess each application on a case-by-case basis.
Typically, you will need to provide proof of identity (such as a passport or driving licence), proof of address, and recent payslips or bank statements to verify your income.
We aim to provide decisions as quickly as possible, often within a few hours. The exact time can vary depending on the completeness of the information provided and the specifics of your application.
Absolutely, we accept part exchanges as a deposit. The value of your current vehicle can be assessed and used towards the deposit for your new purchase, potentially lowering your monthly payments.
Finance options are available for a wide range of used cars in our inventory. However, some restrictions might apply based on the age and mileage of the car. Our team can provide more specific details based on your choice of vehicle.