Used Car Finance in Thame
At Carnatics Motor Company Limited, we understand that financing a used car in Thame 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 chosen car without financial strain. Visit us to explore flexible financing solutions.
£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%
£27,999
From £406/month
Audi
A5
2.0 TFSI 45 S line Sportback 5dr Petrol S Tronic quattro Euro 6 (s/s) (265 ps)
£27,999
(From £406/month)
2022
37,000 miles
Hatchback
Petrol
Automatic
37.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £27,999 | Total Deposit: £2,799.90 | Total Amount of Credit: £25,199.10 | First Payment: £406 | 46 Monthly Payments: £406 | Final Payment: £11,859 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,741.90 | Total Amount Payable: £33,740.90 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£26,999
From £588.97/month
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%
£25,995
From £313.15/month
Tesla
Model Y
(Dual Motor) Long Range SUV 5dr Electric Auto 4WDE (384 bhp)
£25,995
(From £313.15/month)
2022
25,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £25,995 | Total Deposit: £2,599.50 | Total Amount of Credit: £23,395.50 | First Payment: £313.15 | 46 Monthly Payments: £313.15 | Final Payment: £14,514 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,836.55 | Total Amount Payable: £31,831.55 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£21,595
From £310.96/month
Volvo
XC40
2.0 B4 MHEV Inscription SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (197 ps)
£21,595
(From £310.96/month)
2020
39,500 miles
SUV
Petrol Hybrid
Automatic
39.2 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £21,595 | Total Deposit: £2,159.50 | Total Amount of Credit: £19,435.50 | First Payment: £310.96 | 45 Monthly Payments: £310.96 | Final Payment: £9,519 | Agreement Duration: 47 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,387.66 | Total Amount Payable: £25,982.66 | Annual Fixed Interest Rate: 4.08% | Representative APR: 7.90%
£19,995
From £292.55/month
Polestar
Polestar 2
Single Motor 78kWh Long Range Fastback 5dr Electric Auto FWD (231 ps)
£19,995
(From £292.55/month)
2023
48,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £19,995 | Total Deposit: £1,999.50 | Total Amount of Credit: £17,995.50 | First Payment: £292.55 | 46 Monthly Payments: £292.55 | Final Payment: £8,326 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,080.35 | Total Amount Payable: £24,075.35 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£18,895
From £286.54/month
SEAT
Ateca
2.0 TDI XPERIENCE SUV 5dr Diesel DSG 4Drive Euro 6 (s/s) (150 ps)
£18,895
(From £286.54/month)
2022
51,900 miles
SUV
Diesel
Automatic
47.9 mpg
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: £286.54 | 46 Monthly Payments: £286.54 | Final Payment: £7,314 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,775.88 | Total Amount Payable: £22,670.88 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£18,395
From £259.47/month
CUPRA
Formentor
1.4 eHybrid 12.8kWh VZ2 SUV 5dr Petrol Plug-in Hybrid DSG Euro 6 (s/s) (245 ps)
£18,395
(From £259.47/month)
2021
66,600 miles
SUV
Petrol Plug-in Hybrid
Automatic
188.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £18,395 | Total Deposit: £1,839.50 | Total Amount of Credit: £16,555.50 | First Payment: £259.47 | 46 Monthly Payments: £259.47 | Final Payment: £8,191 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,830.59 | Total Amount Payable: £22,225.59 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£17,895
From £390.37/month
Volvo
XC60
2.4 D5 R-Design Lux Nav SUV 5dr Diesel Auto AWD Euro 6 (s/s) (220 ps)
£17,895
(From £390.37/month)
2017
56,000 miles
SUV
Diesel
Automatic
49.6 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £17,895 | Total Deposit: £1,789.50 | Total Amount of Credit: £16,105.50 | First Payment: £390.37 | 46 Monthly Payments: £390.37 | Final Payment: £391.37 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,633.26 | Total Amount Payable: £20,528.26 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£16,495
From £229.95/month
Skoda
Enyaq
62kWh 60 SUV 5dr Electric Auto (DC120kW) (179 ps)
£16,495
(From £229.95/month)
2022
47,250 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £16,495 | Total Deposit: £1,649.50 | Total Amount of Credit: £14,845.50 | First Payment: £229.95 | 46 Monthly Payments: £229.95 | Final Payment: £7,494 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,456.15 | Total Amount Payable: £19,951.15 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£15,450
From £214.12/month
Hyundai
BAYON
1.0 T-GDi MHEV Ultimate SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) (100 ps)
£15,450
(From £214.12/month)
2023
23,250 miles
SUV
Petrol Hybrid
Automatic
53.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £15,450 | Total Deposit: £1,545 | Total Amount of Credit: £13,905 | First Payment: £214.12 | 46 Monthly Payments: £214.12 | Final Payment: £7,089 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,247.64 | Total Amount Payable: £18,697.64 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£14,895
From £208.34/month
Peugeot
3008
1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£14,895
(From £208.34/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 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: £208.34 | 46 Monthly Payments: £208.34 | Final Payment: £6,729 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,115.48 | Total Amount Payable: £18,010.48 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£14,450
From £201.74/month
MG
MG HS
1.5 T-GDI 16.6kWh Exclusive SUV 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (258 ps)
£14,450
(From £201.74/month)
2020
32,000 miles
SUV
Petrol Plug-in Hybrid
Automatic
155.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,450 | Total Deposit: £1,445 | Total Amount of Credit: £13,005 | First Payment: £201.74 | 46 Monthly Payments: £201.74 | Final Payment: £6,549 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,025.78 | Total Amount Payable: £17,475.78 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£13,999
From £305.38/month
Kia
Stonic
1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)
£13,999
(From £305.38/month)
2019
11,500 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,999 | Total Deposit: £1,399.90 | Total Amount of Credit: £12,599.10 | First Payment: £305.38 | 46 Monthly Payments: £305.38 | Final Payment: £306.38 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,060.14 | Total Amount Payable: £16,059.14 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£12,350
From £274.26/month
Audi
RS Q3
2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)
£12,350
(From £274.26/month)
2014
116,350 miles
SUV
Petrol
Automatic
32.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,350 | Total Deposit: £1,235 | Total Amount of Credit: £11,115 | First Payment: £274.26 | 46 Monthly Payments: £274.26 | Final Payment: £274.26 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,049.48 | Total Amount Payable: £14,399.48 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,950
From £260.69/month
Mercedes-Benz
E Class
2.1 E250 CDI SE Estate 5dr Diesel G-Tronic+ Euro 5 (s/s) (204 ps)
£11,950
(From £260.69/month)
2013
51,500 miles
Estate
Diesel
Automatic
51.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,950 | Total Deposit: £1,195 | Total Amount of Credit: £10,755 | First Payment: £260.69 | 46 Monthly Payments: £260.69 | Final Payment: £261.69 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,759.12 | Total Amount Payable: £13,709.12 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£10,795
From £235.49/month
Volkswagen
Golf SV
2.0 TDI BlueMotion Tech GT MPV 5dr Diesel DSG Euro 6 (s/s) (150 ps)
£10,795
(From £235.49/month)
2014
31,500 miles
MPV
Diesel
Automatic
58.85 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,795 | Total Deposit: £1,079.50 | Total Amount of Credit: £9,715.50 | First Payment: £235.49 | 46 Monthly Payments: £235.49 | Final Payment: £236.49 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,589.02 | Total Amount Payable: £12,384.02 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£10,650
From £232.33/month
Skoda
Yeti
1.2 TSI SE L Outdoor 5dr Petrol DSG Euro 6 (s/s) (110 ps)
£10,650
(From £232.33/month)
2017
71,000 miles
SUV
Petrol
Automatic
51.4 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%
£8,999
From £130.24/month
Toyota
AYGO
1.0 VVT-i x-play Hatchback 5dr Petrol Manual Euro 6 (s/s) (71 ps)
£8,999
(From £130.24/month)
2022
30,900 miles
Hatchback
Petrol
Manual
57.65 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £8,999 | Total Deposit: £899.90 | Total Amount of Credit: £8,099.10 | First Payment: £130.24 | 46 Monthly Payments: £130.24 | Final Payment: £3,826 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,848.18 | Total Amount Payable: £10,847.18 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£7,450
From £165.45/month
Skoda
Octavia
2.0 TDI vRS Estate 5dr Diesel Manual Euro 6 (s/s) (184 ps)
£7,450
(From £165.45/month)
2017
146,800 miles
Estate
Diesel
Manual
62.8 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £7,450 | Total Deposit: £745 | Total Amount of Credit: £6,705 | First Payment: £165.45 | 46 Monthly Payments: £165.45 | Final Payment: £165.45 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,236.60 | Total Amount Payable: £8,686.60 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£7,450
From £162.52/month
Hyundai
i30
1.6 CRDi SE Nav Tourer 5dr Diesel Manual Euro 6 (s/s) (110 ps)
£7,450
(From £162.52/month)
2018
67,000 miles
Estate
Diesel
Manual
74.3 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%
£6,999
From £152.68/month
Fiat
500
1.2 S Hatchback 3dr Petrol Manual Euro 6 (s/s) (69 bhp)
£6,999
(From £152.68/month)
2017
43,000 miles
Hatchback
Petrol
Manual
60.1 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: £152.68 | 46 Monthly Payments: £152.68 | Final Payment: £153.68 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,030.54 | Total Amount Payable: £8,029.54 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£6,950
From £151.61/month
Fiat
Doblo
1.4 Pop MPV 5dr Petrol Manual Euro 6 (s/s) (95 bhp)
£6,950
(From £151.61/month)
2018
61,000 miles
MPV
Petrol
Manual
39.2 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,950 | Total Deposit: £695 | Total Amount of Credit: £6,255 | First Payment: £151.61 | 46 Monthly Payments: £151.61 | Final Payment: £152.61 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £1,023.28 | Total Amount Payable: £7,973.28 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
£4,650
From £103.26/month
Ford
Kuga
2.0 TDCi Titanium X SUV 5dr Diesel Manual AWD Euro 5 (163 ps)
£4,650
(From £103.26/month)
2013
111,000 miles
SUV
Diesel
Manual
47.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,650 | Total Deposit: £465 | Total Amount of Credit: £4,185 | First Payment: £103.26 | 46 Monthly Payments: £103.26 | Final Payment: £103.26 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £771.48 | Total Amount Payable: £5,421.48 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£2,650
From £73.59/month
Vauxhall
Corsa
1.2i ecoFLEX 16V SXi Hatchback 3dr Petrol Manual Euro 5 (s/s) (A/C) (85 ps)
£2,650
(From £73.59/month)
2011
62,000 miles
Hatchback
Petrol
Manual
55.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £2,650 | Total Deposit: £265 | Total Amount of Credit: £2,385 | First Payment: £73.59 | 46 Monthly Payments: £73.59 | Final Payment: £73.59 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,147.32 | Total Amount Payable: £3,797.32 | Annual Fixed Interest Rate: 12.03% | Representative APR: 22.90%
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 preferences. Our finance experts are on hand to guide you through each option and help you find the best solution for your needs.
Applying for car finance is straightforward. You can start the process online by filling out our finance application form, or visit us at our Long Crendon or Thame locations where our team can assist you in person.
Yes, we accept part exchanges as a form of payment. Bring your current vehicle to us, and we will evaluate its value. This amount can then be used as a deposit or to reduce the overall finance amount needed for your next car.
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.
Yes, to apply for car finance, you must be at least 18 years old, a resident of the UK, and have a regular income. Credit history will also be considered as part of the approval process.
We aim to provide decisions as quickly as possible. In most cases, you can expect a decision within 24 to 48 hours after submitting all required documents and information.