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.
£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%
£26,950
From £598.49/month
Tesla
Model X
100D (Dual Motor) SUV 5dr Electric Auto 4WDE (417 bhp)
£26,950
(From £598.49/month)
2019
53,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £26,950 | Total Deposit: £2,695 | Total Amount of Credit: £24,255 | First Payment: £598.49 | 46 Monthly Payments: £598.49 | Final Payment: £598.49 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £4,472.52 | Total Amount Payable: £31,422.52 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£25,650
From £338.39/month
Tesla
Model Y
(Dual Motor) Long Range SUV 5dr Electric Auto 4WDE (384 bhp)
£25,650
(From £338.39/month)
2022
25,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £25,650 | Total Deposit: £2,565 | Total Amount of Credit: £23,085 | First Payment: £338.39 | 47 Monthly Payments: £338.39 | Final Payment: £14,129.68 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £7,287.40 | Total Amount Payable: £32,937.40 | Annual Fixed Interest Rate: 4.82% | Representative APR: 9.90%
£22,450
From £498.56/month
Audi
Q5
2.0 TFSI S line SUV 5dr Petrol S Tronic quattro Euro 6 (s/s) (252 ps)
£22,450
(From £498.56/month)
2017
27,500 miles
SUV
Petrol
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £22,450 | Total Deposit: £2,245 | Total Amount of Credit: £20,205 | First Payment: £498.56 | 46 Monthly Payments: £498.56 | Final Payment: £498.56 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,725.88 | Total Amount Payable: £26,175.88 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£20,995
From £335.78/month
Volvo
XC40
2.0 B4 MHEV Inscription SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (197 ps)
£20,995
(From £335.78/month)
2020
39,500 miles
SUV
Petrol Hybrid
Automatic
39.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £20,995 | Total Deposit: £2,099.50 | Total Amount of Credit: £18,895.50 | First Payment: £335.78 | 46 Monthly Payments: £335.78 | Final Payment: £9,705.50 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £6,591.66 | Total Amount Payable: £27,586.66 | Annual Fixed Interest Rate: 11.90% | Representative APR: 11.90%
£19,850
From £279.62/month
Audi
A3
1.4 TFSIe 40 S line Sportback 5dr Petrol Plug-in Hybrid S Tronic Euro 6 (s/s) 13kWh (204 ps)
£19,850
(From £279.62/month)
2022
32,000 miles
Hatchback
Petrol Plug-in Hybrid
Automatic
235.4 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £19,850 | Total Deposit: £1,985 | Total Amount of Credit: £17,865 | First Payment: £279.62 | 47 Monthly Payments: £279.62 | Final Payment: £9,895.71 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,452.47 | Total Amount Payable: £25,302.47 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£19,850
From £310.11/month
Polestar
Polestar 2
Single Motor 78kWh Long Range Fastback 5dr Electric Auto FWD (231 ps)
£19,850
(From £310.11/month)
2023
48,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £19,850 | Total Deposit: £1,985 | Total Amount of Credit: £17,865 | First Payment: £310.11 | 47 Monthly Payments: £310.11 | Final Payment: £8,110.26 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,130.54 | Total Amount Payable: £24,980.54 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£18,950
From £278.69/month
Nissan
Qashqai
1.3 DIG-T MHEV N-Connecta SUV 5dr Petrol Hybrid XTRON Euro 6 (s/s) (158 ps)
£18,950
(From £278.69/month)
2022
17,850 miles
SUV
Petrol Hybrid
Automatic
44.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £18,950 | Total Deposit: £1,895 | Total Amount of Credit: £17,055 | First Payment: £278.69 | 47 Monthly Payments: £278.69 | Final Payment: £8,758.79 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,080.91 | Total Amount Payable: £24,030.91 | Annual Fixed Interest Rate: 4.85% | Representative APR: 9.90%
£18,495
From £297.17/month
SEAT
Ateca
2.0 TDI XPERIENCE SUV 5dr Diesel DSG 4Drive Euro 6 (s/s) (150 ps)
£18,495
(From £297.17/month)
2022
51,900 miles
SUV
Diesel
Automatic
47.9 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £18,495 | Total Deposit: £1,849.50 | Total Amount of Credit: £16,645.50 | First Payment: £297.17 | 47 Monthly Payments: £297.17 | Final Payment: £7,075 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,693.66 | Total Amount Payable: £23,188.66 | Annual Fixed Interest Rate: 4.89% | 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%
£15,650
From £347.55/month
Volkswagen
Golf
2.0 TSI BlueMotion Tech R Estate 5dr Petrol DSG 4MOTION Euro 6 (s/s) (300 ps)
£15,650
(From £347.55/month)
2016
78,250 miles
Estate
Petrol
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £15,650 | Total Deposit: £1,565 | Total Amount of Credit: £14,085 | First Payment: £347.55 | 46 Monthly Payments: £347.55 | Final Payment: £347.55 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,597.40 | Total Amount Payable: £18,247.40 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£14,995
From £229.69/month
Peugeot
3008
1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£14,995
(From £229.69/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,995 | Total Deposit: £1,499.50 | Total Amount of Credit: £13,495.50 | First Payment: £229.69 | 47 Monthly Payments: £229.69 | Final Payment: £6,394.18 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,923.80 | Total Amount Payable: £18,918.80 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£14,895
From £219.93/month
Hyundai
BAYON
1.0 T-GDi MHEV Ultimate SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) (100 ps)
£14,895
(From £219.93/month)
2023
23,250 miles
SUV
Petrol Hybrid
Automatic
53.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,895 | Total Deposit: £1,489.50 | Total Amount of Credit: £13,405.50 | First Payment: £219.93 | 47 Monthly Payments: £219.93 | Final Payment: £6,833.50 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,984.64 | Total Amount Payable: £18,879.64 | Annual Fixed Interest Rate: 4.85% | Representative APR: 9.90%
£14,650
From £266.06/month
SEAT
Leon
1.5 TSI EVO FR Black Edition Hatchback 5dr Petrol DSG Euro 6 (s/s) (150 ps)
£14,650
(From £266.06/month)
2020
54,000 miles
Hatchback
Petrol
Automatic
45.6 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,650 | Total Deposit: £1,465 | Total Amount of Credit: £13,185 | First Payment: £266.06 | 46 Monthly Payments: £266.06 | Final Payment: £4,888 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £4,207.82 | Total Amount Payable: £18,857.82 | Annual Fixed Interest Rate: 11.90% | Representative APR: 11.90%
£14,495
From £202.94/month
SEAT
Arona
1.0 TSI FR Sport SUV 5dr Petrol DSG Euro 6 (s/s) (110 ps)
£14,495
(From £202.94/month)
2022
33,000 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,495 | Total Deposit: £1,449.50 | Total Amount of Credit: £13,045.50 | First Payment: £202.94 | 47 Monthly Payments: £202.94 | Final Payment: £7,298.94 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,994.56 | Total Amount Payable: £18,489.56 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£13,995
From £219.19/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 £219.19/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: £219.19 | 46 Monthly Payments: £219.19 | Final Payment: £6,744.50 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £4,450.93 | Total Amount Payable: £18,445.93 | Annual Fixed Interest Rate: 11.90% | Representative APR: 11.90%
£13,895
From £308.57/month
Kia
Stonic
1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)
£13,895
(From £308.57/month)
2019
11,500 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,895 | Total Deposit: £1,389.50 | Total Amount of Credit: £12,505.50 | First Payment: £308.57 | 46 Monthly Payments: £308.57 | Final Payment: £308.57 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,305.86 | Total Amount Payable: £16,200.86 | 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%
£12,850
From £285.37/month
Kia
Niro
1.6h GDi GPF 3 SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) ( 16in Alloy) (139 bhp)
£12,850
(From £285.37/month)
2019
52,400 miles
SUV
Petrol Hybrid
Automatic
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,850 | Total Deposit: £1,285 | Total Amount of Credit: £11,565 | First Payment: £285.37 | 46 Monthly Payments: £285.37 | Final Payment: £285.37 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,132.76 | Total Amount Payable: £14,982.76 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£12,450
From £276.48/month
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%
£10,995
From £244.17/month
Audi
A4 Avant
1.4 TFSI Sport Estate 5dr Petrol Manual Euro 6 (s/s) (150 ps)
£10,995
(From £244.17/month)
2018
65,000 miles
Estate
Petrol
Manual
51.4 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%
£10,850
From £194.70/month
Fiat
500C
1.0 MHEV Dolcevita Convertible 2dr Petrol Manual Euro 6 (s/s) (70 bhp)
£10,850
(From £194.70/month)
2021
22,400 miles
Convertible
Petrol
Manual
56.5 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £10,850 | Total Deposit: £1,085 | Total Amount of Credit: £9,765 | First Payment: £194.70 | 47 Monthly Payments: £194.70 | Final Payment: £2,957.73 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,538.33 | Total Amount Payable: £13,388.33 | Annual Fixed Interest Rate: 4.94% | Representative APR: 9.90%
£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%
£6,999
From £155.43/month
Hyundai
i30
1.6 CRDi SE Nav Tourer 5dr Diesel Manual Euro 6 (s/s) (110 ps)
£6,999
(From £155.43/month)
2018
67,000 miles
Estate
Diesel
Manual
74.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,999 | Total Deposit: £699.90 | Total Amount of Credit: £6,299.10 | First Payment: £155.43 | 46 Monthly Payments: £155.43 | Final Payment: £155.43 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,161.54 | Total Amount Payable: £8,160.54 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£6,750
From £149.90/month
Fiat
Doblo
1.4 Pop MPV 5dr Petrol Manual Euro 6 (s/s) (95 bhp)
£6,750
(From £149.90/month)
2018
61,000 miles
MPV
Petrol
Manual
39.2 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,750 | Total Deposit: £675 | Total Amount of Credit: £6,075 | First Payment: £149.90 | 46 Monthly Payments: £149.90 | Final Payment: £149.90 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,120.20 | Total Amount Payable: £7,870.20 | 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%
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.