Used Car Finance in Milton Keynes

At Carnatics Motor Company Limited, we make financing your next car in Milton Keynes straightforward and stress-free. Whether you're looking for a family estate or a practical car, our flexible finance options are designed to suit your budget and lifestyle. Drive away with your ideal car by exploring our competitive finance solutions today.

Audi A5 2.0 TFSI 45 S line Sportback 5dr Petrol S Tronic quattro Euro 6 (s/s) (265 ps)

£28,750

From £422.68/month
Audi
Audi

A5

2.0 TFSI 45 S line Sportback 5dr Petrol S Tronic quattro Euro 6 (s/s) (265 ps)
£28,750
(From £422.68/month)
2022
37,000 miles
Hatchback
Petrol
Automatic
37.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £28,750 | Total Deposit: £2,875 | Total Amount of Credit: £25,875 | First Payment: £422.68 | 46 Monthly Payments: £422.68 | Final Payment: £11,859 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,849.96 | Total Amount Payable: £34,599.96 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Audi A8 3.0 TFSI V6 55 Saloon 4dr Petrol Tiptronic quattro Euro 6 (s/s) LWB (340 ps)

£27,999

From £610.79/month
Audi
Audi

A8

3.0 TFSI V6 55 Saloon 4dr Petrol Tiptronic quattro Euro 6 (s/s) LWB (340 ps)
£27,999
(From £610.79/month)
2018
56,600 miles
Saloon
Petrol
Automatic
36.7 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £27,999 | Total Deposit: £2,799.90 | Total Amount of Credit: £25,199.10 | First Payment: £610.79 | 46 Monthly Payments: £610.79 | Final Payment: £611.79 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,119.82 | Total Amount Payable: £32,118.82 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Tesla Model X 100D (Dual Motor) SUV 5dr Electric Auto 4WDE (417 bhp)

£26,999

From £588.97/month
Tesla
Tesla

Model X

100D (Dual Motor) SUV 5dr Electric Auto 4WDE (417 bhp)
£26,999
(From £588.97/month)
2019
53,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £26,999 | Total Deposit: £2,699.90 | Total Amount of Credit: £24,299.10 | First Payment: £588.97 | 46 Monthly Payments: £588.97 | Final Payment: £589.97 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,972.46 | Total Amount Payable: £30,971.46 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
SEAT CUPRA Ateca 2.0 TSI SUV 5dr Petrol DSG 4Drive Euro 6 (s/s) (300 ps)

£23,450

From £318.49/month
2.0 TSI SUV 5dr Petrol DSG 4Drive Euro 6 (s/s) (300 ps)
£23,450
(From £318.49/month)
2021
33,300 miles
SUV
Petrol
Automatic
32.5 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £23,450 | Total Deposit: £2,345 | Total Amount of Credit: £21,105 | First Payment: £318.49 | 46 Monthly Payments: £318.49 | Final Payment: £11,116 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,980.03 | Total Amount Payable: £28,430.03 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Volvo XC40 2.0 B4 MHEV Inscription SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (197 ps)

£21,900

From £315.60/month
Volvo
Volvo

XC40

2.0 B4 MHEV Inscription SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (197 ps)
£21,900
(From £315.60/month)
2020
39,500 miles
SUV
Petrol Hybrid
Automatic
39.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £21,900 | Total Deposit: £2,190 | Total Amount of Credit: £19,710 | First Payment: £315.60 | 46 Monthly Payments: £315.60 | Final Payment: £9,384 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,507.20 | Total Amount Payable: £26,407.20 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Land Rover Range Rover 4.4 SD V8 Vogue SE SUV 5dr Diesel Auto 4WD Euro 5 (339 ps)

£18,999

From £414.46/month
Land Rover
Land Rover

Range Rover

4.4 SD V8 Vogue SE SUV 5dr Diesel Auto 4WD Euro 5 (339 ps)
£18,999
(From £414.46/month)
2014
80,800 miles
SUV
Diesel
Automatic
32.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £18,999 | Total Deposit: £1,899.90 | Total Amount of Credit: £17,099.10 | First Payment: £414.46 | 46 Monthly Payments: £414.46 | Final Payment: £415.46 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,795.98 | Total Amount Payable: £21,794.98 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
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 £414.37/month
Volkswagen
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 £414.37/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: £414.37 | 46 Monthly Payments: £414.37 | Final Payment: £415.37 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,795.26 | Total Amount Payable: £21,790.26 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Volvo XC60 2.4 D5 R-Design Lux Nav SUV 5dr Diesel Auto AWD Euro 6 (s/s) (220 ps)

£18,450

From £402.48/month
Volvo
Volvo

XC60

2.4 D5 R-Design Lux Nav SUV 5dr Diesel Auto AWD Euro 6 (s/s) (220 ps)
£18,450
(From £402.48/month)
2017
56,000 miles
SUV
Diesel
Automatic
49.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £18,450 | Total Deposit: £1,845 | Total Amount of Credit: £16,605 | First Payment: £402.48 | 46 Monthly Payments: £402.48 | Final Payment: £403.48 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,715.04 | Total Amount Payable: £21,165.04 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Skoda Enyaq 62kWh 60 SUV 5dr Electric Auto (179 ps)

£17,950

From £259.41/month
Skoda
Skoda

Enyaq

62kWh 60 SUV 5dr Electric Auto (179 ps)
£17,950
(From £259.41/month)
2021
33,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,950 | Total Deposit: £1,795 | Total Amount of Credit: £16,155 | First Payment: £259.41 | 46 Monthly Payments: £259.41 | Final Payment: £7,651 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,688.27 | Total Amount Payable: £21,638.27 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Peugeot 3008 1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)

£15,350

From £219.27/month
Peugeot
Peugeot

3008

1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£15,350
(From £219.27/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £15,350 | Total Deposit: £1,535 | Total Amount of Credit: £13,815 | First Payment: £219.27 | 46 Monthly Payments: £219.27 | Final Payment: £6,684 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,174.69 | Total Amount Payable: £18,524.69 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Audi A5 2.0 TFSI 40 Sport Coupe 2dr Petrol Manual Euro 6 (s/s) (190 ps)

£14,850

From £323.95/month
Audi
Audi

A5

2.0 TFSI 40 Sport Coupe 2dr Petrol Manual Euro 6 (s/s) (190 ps)
£14,850
(From £323.95/month)
2019
41,750 miles
Coupe
Petrol
Manual
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £14,850 | Total Deposit: £1,485 | Total Amount of Credit: £13,365 | First Payment: £323.95 | 46 Monthly Payments: £323.95 | Final Payment: £324.95 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,185.60 | Total Amount Payable: £17,035.60 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Kia Stonic 1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)

£14,650

From £319.58/month
Kia
Kia

Stonic

1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)
£14,650
(From £319.58/month)
2019
11,500 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £14,650 | Total Deposit: £1,465 | Total Amount of Credit: £13,185 | First Payment: £319.58 | 46 Monthly Payments: £319.58 | Final Payment: £320.58 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,155.84 | Total Amount Payable: £16,805.84 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
BMW i3 42.2kWh S Hatchback 5dr Electric Auto (184 ps)

£13,950

From £184.49/month
BMW
BMW

i3

42.2kWh S Hatchback 5dr Electric Auto (184 ps)
£13,950
(From £184.49/month)
2022
35,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,950 | Total Deposit: £1,395 | Total Amount of Credit: £12,555 | First Payment: £184.49 | 46 Monthly Payments: £184.49 | Final Payment: £6,886 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,002.03 | Total Amount Payable: £16,952.03 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
SEAT Arona 1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol DSG Euro 6 (s/s) (115 ps)

£13,850

From £203.16/month
SEAT
SEAT

Arona

1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol DSG Euro 6 (s/s) (115 ps)
£13,850
(From £203.16/month)
2020
34,000 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,850 | Total Deposit: £1,385 | Total Amount of Credit: £12,465 | First Payment: £203.16 | 46 Monthly Payments: £203.16 | Final Payment: £5,739 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,822.52 | Total Amount Payable: £16,672.52 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Audi RS Q3 2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)

£12,450

From £276.48/month
Audi
Audi

RS Q3

2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)
£12,450
(From £276.48/month)
2014
116,350 miles
SUV
Petrol
Automatic
32.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,450 | Total Deposit: £1,245 | Total Amount of Credit: £11,205 | First Payment: £276.48 | 46 Monthly Payments: £276.48 | Final Payment: £276.48 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,066.04 | Total Amount Payable: £14,516.04 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
MINI Countryman 2.0 Cooper D SUV 5dr Diesel Manual Euro 6 (s/s) (150 ps)

£11,650

From £254.14/month
MINI
MINI

Countryman

2.0 Cooper D SUV 5dr Diesel Manual Euro 6 (s/s) (150 ps)
£11,650
(From £254.14/month)
2017
50,000 miles
SUV
Diesel
Manual
65.7 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,650 | Total Deposit: £1,165 | Total Amount of Credit: £10,485 | First Payment: £254.14 | 46 Monthly Payments: £254.14 | Final Payment: £255.14 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,714.72 | Total Amount Payable: £13,364.72 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Volkswagen Touareg 3.0 TDI V6 BlueMotion Tech R-Line SUV 5dr Diesel Tiptronic 4WD Euro 5 (s/s) (245 ps)

£10,999

From £244.26/month
Volkswagen
Volkswagen

Touareg

3.0 TDI V6 BlueMotion Tech R-Line SUV 5dr Diesel Tiptronic 4WD Euro 5 (s/s) (245 ps)
£10,999
(From £244.26/month)
2014
101,000 miles
SUV
Diesel
Automatic
39.2 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,999 | Total Deposit: £1,099.90 | Total Amount of Credit: £9,899.10 | First Payment: £244.26 | 46 Monthly Payments: £244.26 | Final Payment: £244.26 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,825.38 | Total Amount Payable: £12,824.38 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
Smart forfour 1.0 Prime (Premium) Hatchback 5dr Petrol Manual Euro 6 (s/s) (71 ps)

£5,450

From £118.89/month
Smart
Smart

forfour

1.0 Prime (Premium) Hatchback 5dr Petrol Manual Euro 6 (s/s) (71 ps)
£5,450
(From £118.89/month)
2015
46,800 miles
Hatchback
Petrol
Manual
67.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £5,450 | Total Deposit: £545 | Total Amount of Credit: £4,905 | First Payment: £118.89 | 46 Monthly Payments: £118.89 | Final Payment: £119.89 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £802.72 | Total Amount Payable: £6,252.72 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Peugeot 108 1.2 PureTech Roland Garros Top! 5dr Petrol Manual Euro 6 (82 ps)

£5,000

From £109.07/month
Peugeot
Peugeot

108

1.2 PureTech Roland Garros Top! 5dr Petrol Manual Euro 6 (82 ps)
£5,000
(From £109.07/month)
2017
74,500 miles
Hatchback
Petrol
Manual
65.7 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £5,000 | Total Deposit: £500 | Total Amount of Credit: £4,500 | First Payment: £109.07 | 46 Monthly Payments: £109.07 | Final Payment: £110.07 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £736.36 | Total Amount Payable: £5,736.36 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Ford Kuga 2.0 TDCi Titanium X SUV 5dr Diesel Manual AWD Euro 5 (163 ps)

£4,895

From £108.71/month
Ford
Ford

Kuga

2.0 TDCi Titanium X SUV 5dr Diesel Manual AWD Euro 5 (163 ps)
£4,895
(From £108.71/month)
2013
111,000 miles
SUV
Diesel
Manual
47.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,895 | Total Deposit: £489.50 | Total Amount of Credit: £4,405.50 | First Payment: £108.71 | 46 Monthly Payments: £108.71 | Final Payment: £108.71 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £812.58 | Total Amount Payable: £5,707.58 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
Fiat 500 1.2 Lounge Hatchback 3dr Petrol Manual Euro 6 (s/s) (69 bhp)

£4,450

From £97.08/month
Fiat
Fiat

500

1.2 Lounge Hatchback 3dr Petrol Manual Euro 6 (s/s) (69 bhp)
£4,450
(From £97.08/month)
2014
55,000 miles
Hatchback
Petrol
Manual
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,450 | Total Deposit: £445 | Total Amount of Credit: £4,005 | First Payment: £97.08 | 46 Monthly Payments: £97.08 | Final Payment: £98.08 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £655.84 | Total Amount Payable: £5,105.84 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Subaru Legacy 2.0D S Sport Tourer 5dr Diesel Manual 4WD Euro 5 (150 ps)

£3,250

From £72.17/month
Subaru
Subaru

Legacy

2.0D S Sport Tourer 5dr Diesel Manual 4WD Euro 5 (150 ps)
£3,250
(From £72.17/month)
2013
123,000 miles
Estate
Diesel
Manual
49.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £3,250 | Total Deposit: £325 | Total Amount of Credit: £2,925 | First Payment: £72.17 | 46 Monthly Payments: £72.17 | Final Payment: £72.17 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £539.16 | Total Amount Payable: £3,789.16 | 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 advice to help you choose the best option for your circumstances.

Yes, we work with several lenders who specialize in providing finance options for individuals with a range of credit histories. We encourage you to apply as we assess each application individually.

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 your application and the specifics of your financial situation.

Absolutely, we accept part exchanges as a deposit. The value of your current vehicle can be put towards the deposit on your new car, potentially lowering your monthly payments.

Finance options are available for a wide range of used cars. However, some restrictions may apply based on the age and mileage of the car. Our team can provide more specific information based on the car you are interested in.