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.
£28,895
From £423.86/month
Audi
A5
2.0 TFSI 45 S line Sportback 5dr Petrol S Tronic quattro Euro 6 (s/s) (265 ps)
£28,895
(From £423.86/month)
2022
37,000 miles
Hatchback
Petrol
Automatic
37.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £28,895 | Total Deposit: £2,889.50 | Total Amount of Credit: £26,005.50 | First Payment: £423.86 | 46 Monthly Payments: £423.86 | Final Payment: £11,971 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,886.92 | Total Amount Payable: £34,781.92 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£27,999
From £610.79/month
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%
£27,450
From £598.81/month
Tesla
Model X
100D (Dual Motor) SUV 5dr Electric Auto 4WDE (417 bhp)
£27,450
(From £598.81/month)
2019
52,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £27,450 | Total Deposit: £2,745 | Total Amount of Credit: £24,705 | First Payment: £598.81 | 46 Monthly Payments: £598.81 | Final Payment: £599.81 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,038.88 | Total Amount Payable: £31,488.88 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£19,950
From £435.20/month
Land Rover
Range Rover
4.4 SD V8 Vogue SE SUV 5dr Diesel Auto 4WD Euro 5 (339 ps)
£19,950
(From £435.20/month)
2014
80,000 miles
SUV
Diesel
Automatic
32.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £19,950 | Total Deposit: £1,995 | Total Amount of Credit: £17,955 | First Payment: £435.20 | 46 Monthly Payments: £435.20 | Final Payment: £436.20 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,935.60 | Total Amount Payable: £22,885.60 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£18,995
From £414.37/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 £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%
£18,650
From £406.84/month
Volvo
XC60
2.4 D5 R-Design Lux Nav SUV 5dr Diesel Auto AWD Euro 6 (s/s) (220 ps)
£18,650
(From £406.84/month)
2017
54,000 miles
SUV
Diesel
Automatic
49.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £18,650 | Total Deposit: £1,865 | Total Amount of Credit: £16,785 | First Payment: £406.84 | 46 Monthly Payments: £406.84 | Final Payment: £407.84 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,744.32 | Total Amount Payable: £21,394.32 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£15,495
From £222.09/month
Peugeot
3008
1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£15,495
(From £222.09/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £15,495 | Total Deposit: £1,549.50 | Total Amount of Credit: £13,945.50 | First Payment: £222.09 | 46 Monthly Payments: £222.09 | Final Payment: £6,706 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,198.73 | Total Amount Payable: £18,693.73 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£15,295
From £333.66/month
Audi
A5
2.0 TFSI 40 Sport Coupe 2dr Petrol Manual Euro 6 (s/s) (190 ps)
£15,295
(From £333.66/month)
2019
41,750 miles
Coupe
Petrol
Manual
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £15,295 | Total Deposit: £1,529.50 | Total Amount of Credit: £13,765.50 | First Payment: £333.66 | 46 Monthly Payments: £333.66 | Final Payment: £334.66 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,251.18 | Total Amount Payable: £17,546.18 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£13,999
From £178.61/month
BMW
i3
42.2kWh S Hatchback 5dr Electric Auto (184 ps)
£13,999
(From £178.61/month)
2022
35,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,999 | Total Deposit: £1,399.90 | Total Amount of Credit: £12,599.10 | First Payment: £178.61 | 46 Monthly Payments: £178.61 | Final Payment: £7,269 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,064.57 | Total Amount Payable: £17,063.57 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£12,999
From £283.57/month
Hyundai
TUCSON
1.6 T-GDi Premium SE SUV 5dr Petrol Manual Euro 6 (s/s) (177 ps)
£12,999
(From £283.57/month)
2019
78,000 miles
SUV
Petrol
Manual
34.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,999 | Total Deposit: £1,299.90 | Total Amount of Credit: £11,699.10 | First Payment: £283.57 | 46 Monthly Payments: £283.57 | Final Payment: £284.57 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,913.26 | Total Amount Payable: £14,912.26 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£12,950
From £282.50/month
MINI
Convertible
2.0 John Cooper Works Convertible 2dr Petrol Manual Euro 6 (s/s) (231 ps)
£12,950
(From £282.50/month)
2017
68,400 miles
Convertible
Petrol
Manual
43.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,950 | Total Deposit: £1,295 | Total Amount of Credit: £11,655 | First Payment: £282.50 | 46 Monthly Payments: £282.50 | Final Payment: £283.50 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,906 | Total Amount Payable: £14,856 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£12,495
From £277.48/month
Audi
RS Q3
2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)
£12,495
(From £277.48/month)
2014
116,350 miles
SUV
Petrol
Automatic
32.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,495 | Total Deposit: £1,249.50 | Total Amount of Credit: £11,245.50 | First Payment: £277.48 | 46 Monthly Payments: £277.48 | Final Payment: £277.48 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,073.54 | Total Amount Payable: £14,568.54 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,950
From £163.41/month
Volkswagen
ID.3
Pro Performance 58kWh Life Hatchback 5dr Electric Auto (204 ps)
£11,950
(From £163.41/month)
2021
44,300 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £11,950 | Total Deposit: £1,195 | Total Amount of Credit: £10,755 | First Payment: £163.41 | 46 Monthly Payments: £163.41 | Final Payment: £5,604 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,529.27 | Total Amount Payable: £14,479.27 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£10,999
From £244.26/month
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%
£10,995
From £244.17/month
Toyota
RAV4
2.5 VVT-h Icon Tech SUV 5dr Petrol Hybrid CVT Euro 6 (s/s) (197 ps)
£10,995
(From £244.17/month)
2018
111,500 miles
SUV
Petrol Hybrid
Automatic
57.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,995 | Total Deposit: £1,099.50 | Total Amount of Credit: £9,895.50 | First Payment: £244.17 | 46 Monthly Payments: £244.17 | Final Payment: £244.17 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,824.66 | Total Amount Payable: £12,819.66 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£10,650
From £232.33/month
Mazda
CX-5
2.0 SKYACTIV-G Sport Nav SUV 5dr Petrol Manual Euro 6 (s/s) (165 ps)
£10,650
(From £232.33/month)
2016
62,000 miles
SUV
Petrol
Manual
47.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,650 | Total Deposit: £1,065 | Total Amount of Credit: £9,585 | First Payment: £232.33 | 46 Monthly Payments: £232.33 | Final Payment: £233.33 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,567.84 | Total Amount Payable: £12,217.84 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£7,595
From £165.68/month
Abarth
595
1.4 T-Jet Turismo Hatchback 3dr Petrol Manual Euro 6 (160 bhp)
£7,595
(From £165.68/month)
2015
44,000 miles
Hatchback
Petrol
Manual
47.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £7,595 | Total Deposit: £759.50 | Total Amount of Credit: £6,835.50 | First Payment: £165.68 | 46 Monthly Payments: £165.68 | Final Payment: £166.68 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,118.14 | Total Amount Payable: £8,713.14 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£7,450
From £162.52/month
Kia
Optima
2.0h GDi 9.8kWh Saloon 4dr Petrol Plug-in Hybrid Auto Euro 6 (202 bhp)
£7,450
(From £162.52/month)
2016
86,000 miles
Saloon
Petrol Plug-in Hybrid
Automatic
176.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £7,450 | Total Deposit: £745 | Total Amount of Credit: £6,705 | First Payment: £162.52 | 46 Monthly Payments: £162.52 | Final Payment: £163.52 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,096.96 | Total Amount Payable: £8,546.96 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£6,450
From £140.70/month
Nissan
Qashqai
1.5 dCi Acenta SUV 5dr Diesel Manual 2WD Euro 6 (s/s) (110 ps)
£6,450
(From £140.70/month)
2015
68,000 miles
SUV
Diesel
Manual
74.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,450 | Total Deposit: £645 | Total Amount of Credit: £5,805 | First Payment: £140.70 | 46 Monthly Payments: £140.70 | Final Payment: £141.70 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £949.60 | Total Amount Payable: £7,399.60 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£4,595
From £102.04/month
Volkswagen
Golf
2.0 TDI GT (Leather) Hatchback 5dr Diesel Manual Euro 5 (140 ps)
£4,595
(From £102.04/month)
2012
110,500 miles
Hatchback
Diesel
Manual
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,595 | Total Deposit: £459.50 | Total Amount of Credit: £4,135.50 | First Payment: £102.04 | 46 Monthly Payments: £102.04 | Final Payment: £102.04 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £762.42 | Total Amount Payable: £5,357.42 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£3,995
From £88.72/month
Volkswagen
Tiguan
2.0 TDI BlueMotion Tech Match SUV 5dr Diesel Manual 4WD Euro 5 (s/s) (140 ps)
£3,995
(From £88.72/month)
2014
156,500 miles
SUV
Diesel
Manual
48.7 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £3,995 | Total Deposit: £399.50 | Total Amount of Credit: £3,595.50 | First Payment: £88.72 | 46 Monthly Payments: £88.72 | Final Payment: £88.72 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £663.06 | Total Amount Payable: £4,658.06 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£2,995
From £66.51/month
Subaru
Legacy
2.0D S Sport Tourer 5dr Diesel Manual 4WD Euro 5 (150 ps)
£2,995
(From £66.51/month)
2013
130,000 miles
Estate
Diesel
Manual
49.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £2,995 | Total Deposit: £299.50 | Total Amount of Credit: £2,695.50 | First Payment: £66.51 | 46 Monthly Payments: £66.51 | Final Payment: £66.51 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £496.98 | Total Amount Payable: £3,491.98 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£2,950
From £65.51/month
Hyundai
i10
1.2 Active Hatchback 5dr Petrol Manual Euro 5 (85 bhp)
£2,950
(From £65.51/month)
2013
70,300 miles
Hatchback
Petrol
Manual
61.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £2,950 | Total Deposit: £295 | Total Amount of Credit: £2,655 | First Payment: £65.51 | 46 Monthly Payments: £65.51 | Final Payment: £65.51 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £489.48 | Total Amount Payable: £3,439.48 | 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.