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.

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
Audi
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%
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)

£27,450

From £598.81/month
Tesla
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%
SEAT CUPRA Ateca 2.0 TSI SUV 5dr Petrol DSG 4Drive Euro 6 (s/s) (300 ps)

£23,450

From £317.25/month
2.0 TSI SUV 5dr Petrol DSG 4Drive Euro 6 (s/s) (300 ps)
£23,450
(From £317.25/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: £317.25 | 46 Monthly Payments: £317.25 | Final Payment: £11,184 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,989.75 | Total Amount Payable: £28,439.75 | 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)

£19,950

From £435.20/month
Land Rover
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%
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%
Skoda Enyaq 62kWh 60 SUV 5dr Electric Auto (179 ps)

£17,950

From £258.18/month
Skoda
Skoda

Enyaq

62kWh 60 SUV 5dr Electric Auto (179 ps)
£17,950
(From £258.18/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: £258.18 | 46 Monthly Payments: £258.18 | Final Payment: £7,719 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,698.46 | Total Amount Payable: £21,648.46 | 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)

£15,495

From £222.09/month
Peugeot
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%
Audi A5 2.0 TFSI 40 Sport Coupe 2dr Petrol Manual Euro 6 (s/s) (190 ps)

£15,250

From £332.67/month
Audi
Audi

A5

2.0 TFSI 40 Sport Coupe 2dr Petrol Manual Euro 6 (s/s) (190 ps)
£15,250
(From £332.67/month)
2019
41,750 miles
Coupe
Petrol
Manual
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £15,250 | Total Deposit: £1,525 | Total Amount of Credit: £13,725 | First Payment: £332.67 | 46 Monthly Payments: £332.67 | Final Payment: £333.67 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,244.16 | Total Amount Payable: £17,494.16 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
BMW i3 42.2kWh S Hatchback 5dr Electric Auto (184 ps)

£13,999

From £178.61/month
BMW
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%
SEAT Arona 1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol DSG Euro 6 (s/s) (115 ps)

£13,995

From £205.56/month
SEAT
SEAT

Arona

1.0 TSI GPF XCELLENCE Lux SUV 5dr Petrol DSG Euro 6 (s/s) (115 ps)
£13,995
(From £205.56/month)
2020
34,000 miles
SUV
Petrol
Automatic
46.3 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: £205.56 | 46 Monthly Payments: £205.56 | Final Payment: £5,784 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,849.82 | Total Amount Payable: £16,844.82 | Annual Fixed Interest Rate: 4.09% | Representative APR: 7.90%
Hyundai TUCSON 1.6 T-GDi Premium SE SUV 5dr Petrol Manual Euro 6 (s/s) (177 ps)

£12,950

From £282.50/month
Hyundai
Hyundai

TUCSON

1.6 T-GDi Premium SE SUV 5dr Petrol Manual Euro 6 (s/s) (177 ps)
£12,950
(From £282.50/month)
2019
78,000 miles
SUV
Petrol
Manual
34.9 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%
Audi RS Q3 2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)

£12,495

From £277.48/month
Audi
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%
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%
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
Toyota
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%
Kia Optima 2.0h GDi 9.8kWh Saloon 4dr Petrol Plug-in Hybrid Auto Euro 6 (202 bhp)

£7,450

From £162.52/month
Kia
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%
Nissan Qashqai 1.5 dCi Acenta SUV 5dr Diesel Manual 2WD Euro 6 (s/s) (110 ps)

£6,350

From £138.52/month
Nissan
Nissan

Qashqai

1.5 dCi Acenta SUV 5dr Diesel Manual 2WD Euro 6 (s/s) (110 ps)
£6,350
(From £138.52/month)
2015
68,000 miles
SUV
Diesel
Manual
74.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,350 | Total Deposit: £635 | Total Amount of Credit: £5,715 | First Payment: £138.52 | 46 Monthly Payments: £138.52 | Final Payment: £139.52 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £934.96 | Total Amount Payable: £7,284.96 | 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)

£4,995

From £110.93/month
Ford
Ford

Kuga

2.0 TDCi Titanium X SUV 5dr Diesel Manual AWD Euro 5 (163 ps)
£4,995
(From £110.93/month)
2013
111,000 miles
SUV
Diesel
Manual
47.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,995 | Total Deposit: £499.50 | Total Amount of Credit: £4,495.50 | First Payment: £110.93 | 46 Monthly Payments: £110.93 | Final Payment: £110.93 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £829.14 | Total Amount Payable: £5,824.14 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
Peugeot 208 1.2 VTi Access+ Hatchback 3dr Petrol Manual Euro 5 (82 ps)

£2,995

From £66.51/month
Peugeot
Peugeot

208

1.2 VTi Access+ Hatchback 3dr Petrol Manual Euro 5 (82 ps)
£2,995
(From £66.51/month)
2013
69,500 miles
Hatchback
Petrol
Manual
62.8 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%
Subaru Legacy 2.0D S Sport Tourer 5dr Diesel Manual 4WD Euro 5 (150 ps)

£2,995

From £66.51/month
Subaru
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%
Hyundai i10 1.2 Active Hatchback 5dr Petrol Manual Euro 5 (85 bhp)

£2,895

From £64.29/month
Hyundai
Hyundai

i10

1.2 Active Hatchback 5dr Petrol Manual Euro 5 (85 bhp)
£2,895
(From £64.29/month)
2013
70,300 miles
Hatchback
Petrol
Manual
61.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £2,895 | Total Deposit: £289.50 | Total Amount of Credit: £2,605.50 | First Payment: £64.29 | 46 Monthly Payments: £64.29 | Final Payment: £64.29 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £480.42 | Total Amount Payable: £3,375.42 | 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 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.