Used Car Finance in Oxford
Looking for used car finance in Oxford? At Carnatics Motor Company Limited, we offer flexible financing options to make owning your ideal car easier and more affordable. Whether you're in Oxford or nearby areas, visit us to explore tailored finance plans that suit your budget and drive away happy!
£28,750
From £422.68/month
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%
£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%
£26,999
Tesla
Model X
100D (Dual Motor) SUV 5dr Electric Auto 4WDE (417 bhp)
£26,999
2019
53,000 miles
SUV
Electric
Automatic
£23,450
From £318.49/month
SEAT
CUPRA Ateca
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%
£18,999
Land Rover
Range Rover
4.4 SD V8 Vogue SE SUV 5dr Diesel Auto 4WD Euro 5 (339 ps)
£18,999
2014
80,800 miles
SUV
Diesel
Automatic
32.5 mpg
£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%
£18,450
From £402.48/month
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%
£17,950
From £259.41/month
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%
£15,350
From £219.27/month
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%
£14,850
From £323.95/month
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%
£13,950
From £184.49/month
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%
£13,850
SEAT
Arona
1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol DSG Euro 6 (s/s) (115 ps)
£13,850
2020
34,000 miles
SUV
Petrol
Automatic
46.3 mpg
£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%
£11,650
From £254.14/month
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%
£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%
£5,450
From £118.89/month
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%
£5,000
From £109.07/month
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%
£4,895
From £108.71/month
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%
£4,450
From £97.08/month
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%
£3,250
From £72.17/month
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 explanations and help you choose the best option for your circumstances.
Yes, you can still apply for car finance with a poor credit history. We work with several lenders who specialize in providing finance to individuals with varied credit profiles. We encourage you to discuss your specific situation with our finance experts.
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. Our finance team will guide you through the specific requirements.
The approval time can vary, but we aim to process applications as quickly as possible. In many cases, finance approval can be obtained within 24 to 48 hours after submitting all required documents.
Absolutely, part exchanges are welcomed and can be used as a deposit towards your next car purchase. We will assess the value of your current vehicle and apply this amount as a deposit for your finance agreement.
Generally, there are no specific restrictions on the cars you can purchase with finance. However, the age and mileage of the car might affect the finance terms available. Our team can provide more details based on the car you are interested in.