Used Car Finance in KENT
At TRAXLER'S AUTO, we make financing your next used car or van in Swanley and KENT straightforward and stress-free. Whether you're near M25 junction 3 or M20 Junction 1, our flexible finance options are designed to suit your budget, helping you drive away with the perfect vehicle without any hassle.
£29,990
From £451.44/month
Lexus
NX
2.5 350h SUV 5dr Petrol Hybrid E-CVT 4WD Euro 6 (s/s) (245 ps)
£29,990
(From £451.44/month)
2023
12,700 miles
Petrol Hybrid
Automatic
7.7 seconds
47 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £29,990 | Total Deposit: £2,999 | Total Amount of Credit: £26,991 | First Payment: £451.44 | 58 Monthly Payments: £451.44 | Final Payment: £12,899.10 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £12,543.06 | Total Amount Payable: £42,533.06 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£16,900
From £332.85/month
Audi
S3
2.0 TFSI Sportback 5dr Petrol S Tronic quattro Euro 6 (s/s) (300 ps)
£16,900
(From £332.85/month)
2014
48,696 miles
Petrol
Automatic
4.9 seconds
40.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £16,900 | Total Deposit: £1,690 | Total Amount of Credit: £15,210 | First Payment: £332.85 | 58 Monthly Payments: £332.85 | Final Payment: £342.85 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £4,771 | Total Amount Payable: £21,671 | Annual Fixed Interest Rate: 6.26% | Representative APR: 11.90%
£14,000
Audi
A3
1.4 TFSIe 40 Sport Sportback S Tronic Euro 6 (s/s) 5dr 13kWh
£14,000
2022
88,942 miles
Petrol Plug-in Hybrid
Automatic
7.6 seconds
256.8 mpg
£13,900
From £295.62/month
Mercedes-Benz
A Class
1.3 A250e 15.6kWh AMG Line (Executive) Saloon 4dr Petrol Plug-in Hybrid 8G-DCT Euro 6 (s/s) (218 ps)
£13,900
(From £295.62/month)
2021
96,288 miles
Petrol Plug-in Hybrid
Automatic
6.7 seconds
282.5 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,900 | Total Deposit: £1,390 | Total Amount of Credit: £12,510 | First Payment: £295.62 | 26 Monthly Payments: £295.62 | Final Payment: £7,380 | Agreement Duration: 28 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,851.74 | Total Amount Payable: £16,751.74 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£13,300
From £261.94/month
Audi
Q3
1.4 TFSI CoD S line S Tronic Euro 6 (s/s) 5dr
£13,300
(From £261.94/month)
2015
50,015 miles
Petrol
Automatic
8.6 seconds
47.9 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,300 | Total Deposit: £1,330 | Total Amount of Credit: £11,970 | First Payment: £261.94 | 58 Monthly Payments: £261.94 | Final Payment: £271.94 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £3,756.40 | Total Amount Payable: £17,056.40 | Annual Fixed Interest Rate: 6.26% | Representative APR: 11.90%
£13,300
From £261.94/month
Audi
A5
2.0 TFSI 35 S line Sportback S Tronic Euro 6 (s/s) 5dr
£13,300
(From £261.94/month)
2019
105,117 miles
Petrol
Automatic
9.1 seconds
39.8 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,300 | Total Deposit: £1,330 | Total Amount of Credit: £11,970 | First Payment: £261.94 | 58 Monthly Payments: £261.94 | Final Payment: £271.94 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £3,756.40 | Total Amount Payable: £17,056.40 | Annual Fixed Interest Rate: 6.26% | Representative APR: 11.90%
£13,300
From £261.94/month
Skoda
Octavia
2.0 TFSI vRS Euro 6 (s/s) 5dr
£13,300
(From £261.94/month)
2014
51,362 miles
Petrol
Manual
6.7 seconds
44.8 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £13,300 | Total Deposit: £1,330 | Total Amount of Credit: £11,970 | First Payment: £261.94 | 58 Monthly Payments: £261.94 | Final Payment: £271.94 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £3,756.40 | Total Amount Payable: £17,056.40 | Annual Fixed Interest Rate: 6.26% | Representative APR: 11.90%
£13,000
From £397.04/month
Kia
Sportage
1.7 CRDi 3 DCT Euro 6 (s/s) 5dr
£13,000
(From £397.04/month)
2017
44,105 miles
Diesel
Automatic
11.1 seconds
57.6 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,000 | Total Deposit: £1,300 | Total Amount of Credit: £11,700 | First Payment: £397.04 | 17 Monthly Payments: £397.04 | Final Payment: £6,300 | Agreement Duration: 19 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,746.72 | Total Amount Payable: £14,746.72 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£13,000
From £229.58/month
Audi
A3
2.0 TDI 35 S line Sportback 5dr Diesel S Tronic Euro 6 (s/s) (150 ps)
£13,000
(From £229.58/month)
2019
80,374 miles
Diesel
Automatic
8.1 seconds
51.4 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £13,000 | Total Deposit: £1,300 | Total Amount of Credit: £11,700 | First Payment: £229.58 | 42 Monthly Payments: £229.58 | Final Payment: £5,827.50 | Agreement Duration: 44 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £3,999.44 | Total Amount Payable: £16,999.44 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£12,500
From £198.91/month
Ford
Puma
1.0T EcoBoost MHEV Titanium SUV 5dr Petrol Hybrid Manual Euro 6 (s/s) (125 ps)
£12,500
(From £198.91/month)
2023
58,538 miles
Petrol Hybrid
Manual
9.8 seconds
52.3 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £12,500 | Total Deposit: £1,250 | Total Amount of Credit: £11,250 | First Payment: £198.91 | 58 Monthly Payments: £198.91 | Final Payment: £4,504.90 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £4,990.59 | Total Amount Payable: £17,490.59 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£12,300
From £245.27/month
Ford
Kuga
1.5 EcoBlue ST-Line X Edition Euro 6 (s/s) 5dr
£12,300
(From £245.27/month)
2020
95,830 miles
Diesel
Manual
11.7 seconds
60.1 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £12,300 | Total Deposit: £1,230 | Total Amount of Credit: £11,070 | First Payment: £245.27 | 27 Monthly Payments: £245.27 | Final Payment: £6,862.50 | Agreement Duration: 29 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,660.06 | Total Amount Payable: £14,960.06 | Annual Fixed Interest Rate: 12.90% | Representative APR: 12.90%
£10,800
From £212.63/month
BMW
3 Series
3.0 330d Luxury Saloon 4dr Diesel Auto xDrive Euro 5 (s/s) (258 ps)
£10,800
(From £212.63/month)
2014
67,655 miles
Diesel
Automatic
5.3 seconds
54.3 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £10,800 | Total Deposit: £1,080 | Total Amount of Credit: £9,720 | First Payment: £212.63 | 58 Monthly Payments: £212.63 | Final Payment: £222.63 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £3,047.80 | Total Amount Payable: £13,847.80 | Annual Fixed Interest Rate: 6.25% | Representative APR: 11.90%
£10,300
From £222.34/month
Ford
Puma
1.0T EcoBoost MHEV ST-Line X SUV 5dr Petrol Manual Euro 6 (s/s) (155 ps)
£10,300
(From £222.34/month)
2020
92,325 miles
Petrol
Manual
8.9 seconds
50.4 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £10,300 | Total Deposit: £1,030 | Total Amount of Credit: £9,270 | First Payment: £222.34 | 31 Monthly Payments: £222.34 | Final Payment: £4,500 | Agreement Duration: 33 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £2,344.88 | Total Amount Payable: £12,644.88 | Annual Fixed Interest Rate: 12.91% | Representative APR: 12.90%
£9,700
Ford
Focus
2.0T EcoBoost ST-3 Euro 5 (s/s) 5dr
£9,700
2014
63,154 miles
Petrol
Manual
6.5 seconds
39.2 mpg
£9,500
From £187.03/month
Mazda
Mazda3
2.0 SKYACTIV-G Sport Nav Fastback Euro 5 (s/s) 4dr
£9,500
(From £187.03/month)
2015
32,686 miles
Petrol
Manual
8.8 seconds
55.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £9,500 | Total Deposit: £950 | Total Amount of Credit: £8,550 | First Payment: £187.03 | 58 Monthly Payments: £187.03 | Final Payment: £197.03 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £2,681.80 | Total Amount Payable: £12,181.80 | Annual Fixed Interest Rate: 6.25% | Representative APR: 11.90%
£7,950
From £156.52/month
Audi
A6 Saloon
2.0 TDI Black Edition Saloon 4dr Diesel Multitronic Euro 5 (s/s) (177 ps)
£7,950
(From £156.52/month)
2013
98,642 miles
Diesel
Automatic
8.2 seconds
56.5 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £7,950 | Total Deposit: £795 | Total Amount of Credit: £7,155 | First Payment: £156.52 | 58 Monthly Payments: £156.52 | Final Payment: £166.52 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £2,246.20 | Total Amount Payable: £10,196.20 | Annual Fixed Interest Rate: 6.25% | Representative APR: 11.90%
£7,000
From £206.50/month
Ford
Focus
1.0T EcoBoost Titanium Estate 5dr Petrol Auto Euro 6 (s/s) (125 ps)
£7,000
(From £206.50/month)
2017
77,959 miles
Petrol
Automatic
12.2 seconds
51.4 mpg
Typical Representative Finance Example
Product: Personal Contract Purchase | Cash Price: £7,000 | Total Deposit: £700 | Total Amount of Credit: £6,300 | First Payment: £206.50 | 23 Monthly Payments: £206.50 | Final Payment: £2,475 | Agreement Duration: 25 months | Admin Fee: £0 | Option to Purchase Fee: £0 | Interest Charges: £1,131 | Total Amount Payable: £8,131 | Annual Fixed Interest Rate: 12.91% | Representative APR: 12.90%
£6,450
From £126.94/month
MINI
Countryman
1.6 Cooper Steptronic Euro 5 5dr
£6,450
(From £126.94/month)
2010
63,686 miles
Petrol
Automatic
11.6 seconds
39.2 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £6,450 | Total Deposit: £645 | Total Amount of Credit: £5,805 | First Payment: £126.94 | 58 Monthly Payments: £126.94 | Final Payment: £136.94 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £1,821.40 | Total Amount Payable: £8,271.40 | Annual Fixed Interest Rate: 6.24% | Representative APR: 11.90%
£4,200
From £82.62/month
Vauxhall
Viva
1.0i SL Euro 6 5dr
£4,200
(From £82.62/month)
2015
61,400 miles
Petrol
Manual
13.1 seconds
61.4 mpg
Typical Representative Finance Example
Product: Hire Purchase | Cash Price: £4,200 | Total Deposit: £420 | Total Amount of Credit: £3,780 | First Payment: £82.62 | 58 Monthly Payments: £82.62 | Final Payment: £92.62 | Agreement Duration: 60 months | Admin Fee: £0 | Option to Purchase Fee: £10 | Interest Charges: £1,187.20 | Total Amount Payable: £5,387.20 | Annual Fixed Interest Rate: 6.23% | Representative APR: 11.90%
Typical Representative Finance Example
| Product Personal Contract Purchase | Cash Price £29,990.00 |
| Total Deposit £2,999.00 | Total Amount of Credit £26,991.00 |
| First Payment £451.44 | 58 Monthly Payments £451.44 |
| Final Payment £12,899.10 | Agreement Duration 60 months |
| Admin Fee £0.00 | Option to Purchase Fee £0.00 |
| Interest Charges £12,543.06 | Total Amount Payable £42,533.06 |
| Annual Fixed Interest Rate 12.90% | Representative APR 12.90% |
| Product Personal Contract Purchase | Cash Price £29,990.00 | Total Deposit £2,999.00 | Total Amount of Credit £26,991.00 | First Payment £451.44 |
| 58 Monthly Payments £451.44 | Final Payment £12,899.10 | Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £0.00 |
| Interest Charges £12,543.06 | Total Amount Payable £42,533.06 | Annual Fixed Interest Rate 12.90% | Representative APR 12.90% |
| Product Personal Contract Purchase | Cash Price £29,990.00 | Total Deposit £2,999.00 | Total Amount of Credit £26,991.00 | First Payment £451.44 | 58 Monthly Payments £451.44 | Final Payment £12,899.10 |
| Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £0.00 | Interest Charges £12,543.06 | Total Amount Payable £42,533.06 | Annual Fixed Interest Rate 12.90% | Representative APR 12.90% |
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 needs.
Yes, we consider all applications, including those from customers with poor credit histories. We work with several lenders who specialise in providing finance to individuals with varied credit scores.
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.
We aim to provide a decision as quickly as possible. In most cases, you can expect to hear from us within 24 to 48 hours after submitting all the required documentation.
Absolutely, we accept part exchanges as a deposit. We will assess the value of your current vehicle and this amount can be put towards the deposit on your new purchase.
Finance options are generally available for all the cars and vans we have in stock. However, some age restrictions may apply depending on the finance provider's terms. Our team can provide more specific information based on the vehicle you are interested in.