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.
£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%
£24,999
From £326.25/month
Tesla
Model Y
(Dual Motor) Long Range SUV 5dr Electric Auto 4WDE (384 bhp)
£24,999
(From £326.25/month)
2022
25,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £24,999 | Total Deposit: £2,499.90 | Total Amount of Credit: £22,499.10 | First Payment: £326.25 | 47 Monthly Payments: £326.25 | Final Payment: £13,979.06 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £7,139.96 | Total Amount Payable: £32,138.96 | Annual Fixed Interest Rate: 4.82% | Representative APR: 9.90%
£21,999
From £345.23/month
Audi
Q4 e-tron
35 S line SUV 5dr Electric Auto 55kWh (170 ps)
£21,999
(From £345.23/month)
2021
14,700 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £21,999 | Total Deposit: £2,199.90 | Total Amount of Credit: £19,799.10 | First Payment: £345.23 | 47 Monthly Payments: £345.23 | Final Payment: £8,897.50 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,669.44 | Total Amount Payable: £27,668.44 | Annual Fixed Interest Rate: 4.88% | Representative APR: 9.90%
£21,995
From £488.45/month
Audi
Q5
2.0 TFSI S line SUV 5dr Petrol S Tronic quattro Euro 6 (s/s) (252 ps)
£21,995
(From £488.45/month)
2017
27,500 miles
SUV
Petrol
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £21,995 | Total Deposit: £2,199.50 | Total Amount of Credit: £19,795.50 | First Payment: £488.45 | 46 Monthly Payments: £488.45 | Final Payment: £488.45 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,650.10 | Total Amount Payable: £25,645.10 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£19,995
From £444.04/month
BMW
X3
2.0 20d M Sport SUV 5dr Diesel Auto xDrive Euro 6 (s/s) (190 ps)
£19,995
(From £444.04/month)
2019
78,000 miles
SUV
Diesel
Automatic
44.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £19,995 | Total Deposit: £1,999.50 | Total Amount of Credit: £17,995.50 | First Payment: £444.04 | 46 Monthly Payments: £444.04 | Final Payment: £444.04 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,318.42 | Total Amount Payable: £23,313.42 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£18,995
From £421.83/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 £421.83/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: £421.83 | 46 Monthly Payments: £421.83 | Final Payment: £421.83 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,152.34 | Total Amount Payable: £22,147.34 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£18,495
From £287.69/month
Polestar
Polestar 2
Single Motor 78kWh Long Range Fastback 5dr Electric Auto FWD (231 ps)
£18,495
(From £287.69/month)
2023
48,000 miles
Hatchback
Electric
Automatic
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: £287.69 | 47 Monthly Payments: £287.69 | Final Payment: £7,629.82 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,793.44 | Total Amount Payable: £23,288.44 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£17,950
From £260.58/month
CUPRA
Formentor
1.4 eHybrid 12.8kWh VZ2 SUV 5dr Petrol Plug-in Hybrid DSG Euro 6 (s/s) (245 ps)
£17,950
(From £260.58/month)
2021
66,000 miles
SUV
Petrol Plug-in Hybrid
Automatic
188.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,950 | Total Deposit: £1,795 | Total Amount of Credit: £16,155 | First Payment: £260.58 | 47 Monthly Payments: £260.58 | Final Payment: £8,495.97 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,848.81 | Total Amount Payable: £22,798.81 | Annual Fixed Interest Rate: 4.85% | Representative APR: 9.90%
£17,850
From £254.51/month
CUPRA
Born
58kWh V3 Hatchback 5dr Electric Auto (204 ps)
£17,850
(From £254.51/month)
2022
36,250 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,850 | Total Deposit: £1,785 | Total Amount of Credit: £16,065 | First Payment: £254.51 | 47 Monthly Payments: £254.51 | Final Payment: £8,718.82 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,870.30 | Total Amount Payable: £22,720.30 | Annual Fixed Interest Rate: 4.84% | 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%
£14,999
From £229.41/month
MINI
Electric Hatch
Cooper SE 32.6kWh Level 3 Hatchback 3dr Electric Auto (184 ps)
£14,999
(From £229.41/month)
2021
18,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,999 | Total Deposit: £1,499.90 | Total Amount of Credit: £13,499.10 | First Payment: £229.41 | 47 Monthly Payments: £229.41 | Final Payment: £6,415.87 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,928.45 | Total Amount Payable: £18,927.45 | Annual Fixed Interest Rate: 4.87% | Representative APR: 9.90%
£14,999
From £210.79/month
SEAT
Leon
1.5 eTSI MHEV XCELLENCE Estate 5dr Petrol Hybrid DSG Euro 6 (s/s) (150 ps)
£14,999
(From £210.79/month)
2021
34,750 miles
Estate
Petrol Hybrid
Automatic
48.7 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,999 | Total Deposit: £1,499.90 | Total Amount of Credit: £13,499.10 | First Payment: £210.79 | 47 Monthly Payments: £210.79 | Final Payment: £7,506.06 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,124.88 | Total Amount Payable: £19,123.88 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£14,750
From £224.40/month
Peugeot
3008
1.5 BlueHDi Active Premium SUV 5dr Diesel Manual Euro 6 (s/s) (130 ps)
£14,750
(From £224.40/month)
2022
29,500 miles
SUV
Diesel
Manual
60.8 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,750 | Total Deposit: £1,475 | Total Amount of Credit: £13,275 | First Payment: £224.40 | 47 Monthly Payments: £224.40 | Final Payment: £6,379.75 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,875.95 | Total Amount Payable: £18,625.95 | Annual Fixed Interest Rate: 4.86% | Representative APR: 9.90%
£14,395
From £206.19/month
SEAT
Arona
1.0 TSI FR Sport SUV 5dr Petrol DSG Euro 6 (s/s) (110 ps)
£14,395
(From £206.19/month)
2022
33,000 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,395 | Total Deposit: £1,439.50 | Total Amount of Credit: £12,955.50 | First Payment: £206.19 | 47 Monthly Payments: £206.19 | Final Payment: £6,976 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,917.62 | Total Amount Payable: £18,312.62 | Annual Fixed Interest Rate: 4.84% | Representative APR: 9.90%
£13,850
From £307.57/month
Kia
Stonic
1.0 T-GDi 4 SUV 5dr Petrol DCT Euro 6 (s/s) (118 bhp)
£13,850
(From £307.57/month)
2019
11,500 miles
SUV
Petrol
Automatic
46.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,850 | Total Deposit: £1,385 | Total Amount of Credit: £12,465 | First Payment: £307.57 | 46 Monthly Payments: £307.57 | Final Payment: £307.57 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,298.36 | Total Amount Payable: £16,148.36 | 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%
£12,695
From £281.92/month
Kia
Niro
1.6h GDi GPF 3 SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) ( 16in Alloy) (139 bhp)
£12,695
(From £281.92/month)
2019
52,400 miles
SUV
Petrol Hybrid
Automatic
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £12,695 | Total Deposit: £1,269.50 | Total Amount of Credit: £11,425.50 | First Payment: £281.92 | 46 Monthly Payments: £281.92 | Final Payment: £281.92 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,106.66 | Total Amount Payable: £14,801.66 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,999
From £266.47/month
Audi
RS Q3
2.5 TFSI SUV 5dr Petrol S Tronic quattro Euro 5 (s/s) (310 ps)
£11,999
(From £266.47/month)
2014
116,350 miles
SUV
Petrol
Automatic
32.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,999 | Total Deposit: £1,199.90 | Total Amount of Credit: £10,799.10 | First Payment: £266.47 | 46 Monthly Payments: £266.47 | Final Payment: £266.47 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,991.46 | Total Amount Payable: £13,990.46 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,950
From £265.38/month
Volvo
XC60
2.4 D5 R-Design Lux Nav SUV 5dr Diesel Geartronic AWD Euro 5 (215 ps)
£11,950
(From £265.38/month)
2015
110,000 miles
SUV
Diesel
Automatic
44.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,950 | Total Deposit: £1,195 | Total Amount of Credit: £10,755 | First Payment: £265.38 | 46 Monthly Payments: £265.38 | Final Payment: £265.38 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,983.24 | Total Amount Payable: £13,933.24 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,450
From £254.27/month
Kia
Sportage
2.0 CRDi KX-3 SUV 5dr Diesel Auto AWD Euro 5 (134 bhp)
£11,450
(From £254.27/month)
2015
33,200 miles
SUV
Diesel
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,450 | Total Deposit: £1,145 | Total Amount of Credit: £10,305 | First Payment: £254.27 | 46 Monthly Payments: £254.27 | Final Payment: £254.27 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,899.96 | Total Amount Payable: £13,349.96 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£9,450
From £209.86/month
Volvo
XC60
2.4 D5 SE Lux Nav SUV 5dr Diesel Geartronic AWD Euro 5 (215 ps)
£9,450
(From £209.86/month)
2014
102,000 miles
SUV
Diesel
Automatic
44.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £9,450 | Total Deposit: £945 | Total Amount of Credit: £8,505 | First Payment: £209.86 | 46 Monthly Payments: £209.86 | Final Payment: £209.86 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,568.28 | Total Amount Payable: £11,018.28 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£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
Renault
Captur
1.2 TCe Dynamique S MediaNav SUV 5dr Petrol EDC Euro 5 (120 ps)
£6,999
(From £155.43/month)
2015
62,500 miles
SUV
Petrol
Automatic
52.31 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%
£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%
£3,999
From £88.81/month
Volkswagen
Golf
2.0 TDI GT (Leather) Hatchback 5dr Diesel Manual Euro 5 (140 ps)
£3,999
(From £88.81/month)
2012
115,500 miles
Hatchback
Diesel
Manual
58.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £3,999 | Total Deposit: £399.90 | Total Amount of Credit: £3,599.10 | First Payment: £88.81 | 46 Monthly Payments: £88.81 | Final Payment: £88.81 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £663.78 | Total Amount Payable: £4,662.78 | 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.