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.
£32,895
From £730.51/month
Porsche
Macan
3.0 V6 S SUV 5dr Petrol PDK 4WD Euro 6 (s/s) (340 ps)
£32,895
(From £730.51/month)
2018
36,000 miles
SUV
Petrol
Automatic
32.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £32,895 | Total Deposit: £3,289.50 | Total Amount of Credit: £29,605.50 | First Payment: £730.51 | 46 Monthly Payments: £730.51 | Final Payment: £730.51 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £5,458.98 | Total Amount Payable: £38,353.98 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£24,595
From £354.51/month
Volkswagen
ID.4
Pro 77kWh Match SUV 5dr Electric Auto 4Motion (286 ps)
£24,595
(From £354.51/month)
2024
32,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £24,595 | Total Deposit: £2,459.50 | Total Amount of Credit: £22,135.50 | First Payment: £354.51 | 47 Monthly Payments: £354.51 | Final Payment: £11,004 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,884.98 | Total Amount Payable: £30,479.98 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£24,595
From £301.61/month
Tesla
Model Y
£24,595
(From £301.61/month)
2022
25,000 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £24,595 | Total Deposit: £2,459.50 | Total Amount of Credit: £22,135.50 | First Payment: £301.61 | 47 Monthly Payments: £301.61 | Final Payment: £14,041 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £6,382.78 | Total Amount Payable: £30,977.78 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£23,995
From £334.92/month
Volkswagen
ID.5
Pro 77kWh Style SUV 5dr Electric Auto (286 ps)
£23,995
(From £334.92/month)
2024
19,750 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £23,995 | Total Deposit: £2,399.50 | Total Amount of Credit: £21,595.50 | First Payment: £334.92 | 47 Monthly Payments: £334.92 | Final Payment: £11,364 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,844.66 | Total Amount Payable: £29,839.66 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£21,450
From £320.73/month
Audi
Q4 e-tron
35 S line SUV 5dr Electric Auto 55kWh (170 ps)
£21,450
(From £320.73/month)
2021
14,700 miles
SUV
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £21,450 | Total Deposit: £2,145 | Total Amount of Credit: £19,305 | First Payment: £320.73 | 47 Monthly Payments: £320.73 | Final Payment: £8,934 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £5,024.04 | Total Amount Payable: £26,474.04 | 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%
£18,695
From £415.17/month
SEAT
Tarraco
2.0 TSI XCELLENCE First Edition Plus SUV 5dr Petrol DSG 4Drive Euro 6 (s/s) (190 ps)
£18,695
(From £415.17/month)
2019
63,500 miles
SUV
Petrol
Automatic
30.7 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £18,695 | Total Deposit: £1,869.50 | Total Amount of Credit: £16,825.50 | First Payment: £415.17 | 46 Monthly Payments: £415.17 | Final Payment: £415.17 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,102.66 | Total Amount Payable: £21,797.66 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£17,850
From £263.52/month
Polestar
Polestar 2
Single Motor 78kWh Long Range Fastback 5dr Electric Auto FWD (231 ps)
£17,850
(From £263.52/month)
2023
48,000 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: £263.52 | 47 Monthly Payments: £263.52 | Final Payment: £7,629 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,212.96 | Total Amount Payable: £22,062.96 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£17,795
From £247.02/month
CUPRA
Formentor
1.4 eHybrid 12.8kWh VZ2 SUV 5dr Petrol Plug-in Hybrid DSG Euro 6 (s/s) (245 ps)
£17,795
(From £247.02/month)
2021
66,000 miles
SUV
Petrol Plug-in Hybrid
Automatic
188.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,795 | Total Deposit: £1,779.50 | Total Amount of Credit: £16,015.50 | First Payment: £247.02 | 47 Monthly Payments: £247.02 | Final Payment: £8,506 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,347.46 | Total Amount Payable: £22,142.46 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£17,295
From £227.29/month
CUPRA
Born
58kWh V3 Hatchback 5dr Electric Auto (204 ps)
£17,295
(From £227.29/month)
2022
36,250 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £17,295 | Total Deposit: £1,729.50 | Total Amount of Credit: £15,565.50 | First Payment: £227.29 | 47 Monthly Payments: £227.29 | Final Payment: £9,001 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £4,345.42 | Total Amount Payable: £21,640.42 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£14,999
From £198.26/month
SEAT
Leon
1.5 eTSI MHEV XCELLENCE Estate 5dr Petrol Hybrid DSG Euro 6 (s/s) (150 ps)
£14,999
(From £198.26/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: £198.26 | 47 Monthly Payments: £198.26 | Final Payment: £7,741 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,758.38 | Total Amount Payable: £18,757.38 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£14,850
From £217.68/month
MG
MG HS
1.5 T-GDI Exclusive SUV 5dr Petrol DCT Euro 6 (s/s) (162 ps)
£14,850
(From £217.68/month)
2023
33,650 miles
SUV
Petrol
Automatic
36.6 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £14,850 | Total Deposit: £1,485 | Total Amount of Credit: £13,365 | First Payment: £217.68 | 47 Monthly Payments: £217.68 | Final Payment: £6,436 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,519.64 | Total Amount Payable: £18,369.64 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£14,450
From £320.90/month
Mercedes-Benz
GLA
2.1 GLA200d AMG Line SUV 5dr Diesel 7G-DCT Euro 6 (s/s) (136 ps)
£14,450
(From £320.90/month)
2018
43,750 miles
SUV
Diesel
Automatic
51.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £14,450 | Total Deposit: £1,445 | Total Amount of Credit: £13,005 | First Payment: £320.90 | 46 Monthly Payments: £320.90 | Final Payment: £320.90 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,398.20 | Total Amount Payable: £16,848.20 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£13,950
From £309.79/month
Volvo
XC60
2.0 T5 Momentum Pro SUV 5dr Petrol Auto AWD Euro 6 (s/s) (250 ps)
£13,950
(From £309.79/month)
2019
133,500 miles
SUV
Petrol
Automatic
34 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,950 | Total Deposit: £1,395 | Total Amount of Credit: £12,555 | First Payment: £309.79 | 46 Monthly Payments: £309.79 | Final Payment: £309.79 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,314.92 | Total Amount Payable: £16,264.92 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£13,899
From £194.21/month
MINI
Electric Hatch
Cooper SE 32.6kWh Level 3 Hatchback 3dr Electric Auto (184 ps)
£13,899
(From £194.21/month)
2021
18,000 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,899 | Total Deposit: £1,389.90 | Total Amount of Credit: £12,509.10 | First Payment: £194.21 | 47 Monthly Payments: £194.21 | Final Payment: £6,571 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £3,383.98 | Total Amount Payable: £17,282.98 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£13,350
From £214.16/month
BMW
i3
42.2kWh Hatchback 5dr Electric Auto (170 ps)
£13,350
(From £214.16/month)
2021
33,800 miles
Hatchback
Electric
Automatic
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,350 | Total Deposit: £1,335 | Total Amount of Credit: £12,015 | First Payment: £214.16 | 47 Monthly Payments: £214.16 | Final Payment: £4,726 | Agreement Duration: 49 months | Admin Fee: £0 | Option to Purchase Fee: £1 | Interest Charges: £2,990.68 | Total Amount Payable: £16,340.68 | 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%
£11,650
From £258.72/month
Volkswagen
Tiguan
2.0 TDI BlueMotion Tech R-Line Edition SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (150 ps)
£11,650
(From £258.72/month)
2016
63,000 miles
SUV
Diesel
Manual
53.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,650 | Total Deposit: £1,165 | Total Amount of Credit: £10,485 | First Payment: £258.72 | 46 Monthly Payments: £258.72 | Final Payment: £258.72 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,933.56 | Total Amount Payable: £13,583.56 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£11,250
From £249.83/month
Kia
Sportage
2.0 CRDi KX-3 SUV 5dr Diesel Auto AWD Euro 5 (134 bhp)
£11,250
(From £249.83/month)
2015
33,200 miles
SUV
Diesel
Automatic
40.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £11,250 | Total Deposit: £1,125 | Total Amount of Credit: £10,125 | First Payment: £249.83 | 46 Monthly Payments: £249.83 | Final Payment: £249.83 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,866.84 | Total Amount Payable: £13,116.84 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£10,850
From £240.95/month
Volkswagen
Tiguan
2.0 TDI SE Navigation SUV 5dr Diesel Manual 4Motion Euro 6 (s/s) (150 ps)
£10,850
(From £240.95/month)
2017
94,000 miles
SUV
Diesel
Manual
52.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,850 | Total Deposit: £1,085 | Total Amount of Credit: £9,765 | First Payment: £240.95 | 46 Monthly Payments: £240.95 | Final Payment: £240.95 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,800.60 | Total Amount Payable: £12,650.60 | 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%
£9,450
From £209.86/month
Audi
A3
1.8 TFSI Sport Sportback 5dr Petrol Manual Euro 6 (s/s) (180 ps)
£9,450
(From £209.86/month)
2014
57,000 miles
Hatchback
Petrol
Manual
48.7 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%
£8,650
From £192.09/month
Vauxhall
Mokka X
1.4i Turbo Elite Nav SUV 5dr Petrol Auto Euro 6 (140 ps)
£8,650
(From £192.09/month)
2018
66,700 miles
SUV
Petrol
Automatic
39.8 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £8,650 | Total Deposit: £865 | Total Amount of Credit: £7,785 | First Payment: £192.09 | 46 Monthly Payments: £192.09 | Final Payment: £192.09 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,435.32 | Total Amount Payable: £10,085.32 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£6,995
From £155.34/month
SEAT
Leon
1.6 TDI SE Dynamic ST 5dr Diesel DSG Euro 6 (s/s) (115 ps)
£6,995
(From £155.34/month)
2018
107,500 miles
Estate
Diesel
Automatic
55.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,995 | Total Deposit: £699.50 | Total Amount of Credit: £6,295.50 | First Payment: £155.34 | 46 Monthly Payments: £155.34 | Final Payment: £155.34 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,160.82 | Total Amount Payable: £8,155.82 | Annual Fixed Interest Rate: 4.61% | Representative APR: 8.90%
£5,950
From £132.13/month
Fiat
500C
1.2 Pop Convertible 2dr Petrol Manual Euro 6 (s/s) (69 bhp)
£5,950
(From £132.13/month)
2016
48,000 miles
Convertible
Petrol
Manual
60.1 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £5,950 | Total Deposit: £595 | Total Amount of Credit: £5,355 | First Payment: £132.13 | 46 Monthly Payments: £132.13 | Final Payment: £132.13 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £987.24 | Total Amount Payable: £6,937.24 | 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%
£3,850
From £85.50/month
Fiat
500
1.2 Pop Hatchback 3dr Petrol Manual Euro 4 (69 bhp)
£3,850
(From £85.50/month)
2013
32,000 miles
Hatchback
Petrol
Manual
55.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £3,850 | Total Deposit: £385 | Total Amount of Credit: £3,465 | First Payment: £85.50 | 46 Monthly Payments: £85.50 | Final Payment: £85.50 | Agreement Duration: 48 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £639 | Total Amount Payable: £4,489 | 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.