Used cars for sale

Quality used cars, fully inspected and typically £700 below market value. Reserve online, collect nearby, and drive away with confidence. Flexible finance from 8.9% APR.

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£120
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KW70DWN

Hyundai

i20

10660

149.78

Red

5 doors

Front Wheel Drive

Hatchback

Petrol Hybrid

Manual

Southampton

59848

2021

Jan 19, 2021

Oct 03, 2025

5 seats

Hyundai i20
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai i20

1.0 T-GDi MHEV Premium Hatchback 5dr Petrol Hybrid Manual Euro 6 (s/s) (100 ps) - LANE DEPARTURE
2021

59848 mi

Manual
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£149

48 month PCP

£10,660
View car

LR71YEX

Peugeot

5008

24445

381.95

Grey

5 doors

Front Wheel Drive

mpv

Petrol

Automatic

Storage

19183

2021

Sep 22, 2021

Oct 03, 2025

7 seats

Peugeot 5008
Image coming soon
EV offer: 8.9% APR
Reserved

Peugeot 5008

1.2 PureTech GT Premium SUV 5dr Petrol EAT Euro 6 (s/s) (130 ps) - LANE DEPARTURE
2021

19183 mi

Automatic
Petrol

7 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£381

48 month PCP

£24,445
View car

FG70NJE

Toyota

C-HR

20168

305.95

Black

5 doors

Front Wheel Drive

Suv

Petrol Hybrid

Automatic

Storage

15374

2020

Sep 29, 2020

Oct 03, 2025

5 seats

Toyota C-HR
Image coming soon
EV offer: 8.9% APR
Reserved

Toyota C-HR

2.0 VVT-h Excel SUV 5dr Petrol Hybrid CVT Euro 6 (s/s) (184 ps) - HEATED STEERING
2020

15374 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£305

48 month PCP

£20,168
View car

FD22VOM

Seat

Ateca

17160

238.71

Blue

5 doors

Front Wheel Drive

Suv

Petrol

Manual

Storage

36233

2022

Aug 12, 2022

Oct 03, 2025

5 seats

Seat Ateca
Image coming soon
EV offer: 8.9% APR
Reserved

Seat Ateca

1.5 TSI EVO XPERIENCE Edition SUV 5dr Petrol Manual Euro 6 (s/s) (150 ps) - PARK SENSORS
2022

36233 mi

Manual
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£238

48 month PCP

£17,160
View car

BT22ZPB

Hyundai

Ioniq 5

20383

304.51

Grey

5 doors

Rear Wheel Drive

Hatchback

Electric

Automatic

Storage

41765

2022

Aug 01, 2022

Oct 03, 2025

5 seats

Hyundai Ioniq 5
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai Ioniq 5

73kWh Ultimate Hatchback 5dr Electric Auto (217 ps) - HEATED LEATHER
2022

41765 mi

Automatic
Electric

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£304

48 month PCP

£20,383
View car

LO21UJD

Volvo

XC40

18979

294.85

Grey

5 doors

Front Wheel Drive

Suv

Petrol Plug-in Hybrid

Automatic

Storage

68248

2021

Jun 25, 2021

Oct 03, 2025

5 seats

Volvo XC40
Image coming soon
EV offer: 8.9% APR
Reserved

Volvo XC40

1.5h T5 Twin Engine Recharge 10.7kWh R-Design SUV 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (262 ps) - CLIMATE CONTROL
2021

68248 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£294

48 month PCP

£18,979
View car

WF22WJN

BMW

2 Series Gran Coupe

18816

267.16

White

4 doors

Front Wheel Drive

Saloon

Petrol

Automatic

Storage

57312

2022

Jun 25, 2022

Oct 03, 2025

5 seats

BMW 2 Series Gran Coupe
Image coming soon
EV offer: 8.9% APR
Reserved

BMW 2 Series Gran Coupe

1.5 218i M Sport Saloon 4dr Petrol DCT Euro 6 (s/s) (136 ps) - LANE DEPARTURE
2022

57312 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£267

48 month PCP

£18,816
View car

RE72NWK

Volkswagen

Golf

16956

247.8

Black

5 doors

Front Wheel Drive

Hatchback

Petrol

Manual

Storage

28658

2022

Oct 28, 2022

Oct 03, 2025

5 seats

Volkswagen Golf
Image coming soon
EV offer: 8.9% APR
Reserved

Volkswagen Golf

1.5 TSI Life Hatchback 5dr Petrol Manual Euro 6 (s/s) (150 ps) - ISOFIX
2022

28658 mi

Manual
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£247

48 month PCP

£16,956
View car

FX22YVC

Hyundai

Tucson

20851

286.33

Black

5 doors

Four Wheel Drive

Suv

Petrol Plug-in Hybrid

Automatic

Storage

54010

2022

Jul 26, 2022

Oct 03, 2025

5 seats

Hyundai Tucson
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai Tucson

1.6 T-GDi 13.8kWh N Line S SUV 5dr Petrol Plug-in Hybrid Auto 4WD Euro 6 (s/s) (265 ps) - NAV
2022

54010 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£286

48 month PCP

£20,851
View car

BW72LDD

Hyundai

Tucson

22602

335.38

Red

5 doors

Front Wheel Drive

Suv

Petrol Hybrid

Automatic

Storage

13911

2023

Jan 30, 2023

Oct 03, 2025

5 seats

Hyundai Tucson
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai Tucson

1.6 h T-GDi SE Connect SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (230 ps) - CRUISE
2023

13911 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£335

48 month PCP

£22,602
View car

VK21EZP

Volkswagen

Golf

20470

317.89

Black

5 doors

Front Wheel Drive

Hatchback

Petrol Hybrid

Automatic

Storage

30145

2021

Mar 31, 2021

Oct 03, 2025

5 seats

Volkswagen Golf
Image coming soon
EV offer: 8.9% APR
Reserved

Volkswagen Golf

1.5 eTSI MHEV R-Line Hatchback 5dr Petrol Hybrid DSG Euro 6 (s/s) (150 ps) - SPORTS SEATS
2021

30145 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£317

48 month PCP

£20,470
View car

LT21VJE

Kia

Sorento

26451

415.17

Red

5 doors

Four Wheel Drive

Suv

Petrol Hybrid

Automatic

Storage

35737

2021

Mar 09, 2021

Oct 03, 2025

7 seats

Kia Sorento
Image coming soon
EV offer: 8.9% APR
Reserved

Kia Sorento

1.6 h T-GDi 2 SUV 5dr Petrol Hybrid Auto AWD Euro 6 (s/s) (226 bhp) - BLUETOOTH
2021

35737 mi

Automatic
Petrol Hybrid

7 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£415

48 month PCP

£26,451
View car

MT69PFG

BMW

3 Series

17554

274.68

Blue

4 doors

Rear Wheel Drive

Saloon

Petrol Plug-in Hybrid

Automatic

Storage

64614

2019

Nov 26, 2019

Oct 03, 2025

5 seats

BMW 3 Series
Image coming soon
EV offer: 8.9% APR
Reserved

BMW 3 Series

2.0 330e 12kWh M Sport Saloon 4dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (292 ps) - PERFORMANCE CONTROL
2019

64614 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£274

48 month PCP

£17,554
View car

YB73XKU

BMW

3 Series

28285

420.48

White

4 doors

Rear Wheel Drive

Saloon

Petrol

Automatic

Storage

21484

2023

Nov 29, 2023

Oct 03, 2025

5 seats

BMW 3 Series
Image coming soon
EV offer: 8.9% APR
Reserved

BMW 3 Series

2.0 320i M Sport Saloon 4dr Petrol Auto Euro 6 (s/s) (184 ps) - BMW SPORT AUTO
2023

21484 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£420

48 month PCP

£28,285
View car

YY22UAZ

Volvo

XC40

22833

358.38

Black

5 doors

Front Wheel Drive

Suv

Petrol Plug-in Hybrid

Automatic

Storage

40740

2022

Jul 18, 2022

Oct 03, 2025

5 seats

Volvo XC40
Image coming soon
EV offer: 8.9% APR
Reserved

Volvo XC40

1.5h T4 Recharge 10.7kWh Plus SUV 5dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (211 ps) - AUTO PARK
2022

40740 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£358

48 month PCP

£22,833
View car

MJ22YVZ

BMW

X1

19017

292.85

Black

5 doors

Front Wheel Drive

suv

Petrol

Automatic

Storage

64440

2022

Apr 28, 2022

Oct 03, 2025

5 seats

BMW X1
Image coming soon
EV offer: 8.9% APR
Reserved

BMW X1

2.0 20i xLine SUV 5dr Petrol DCT sDrive Euro 6 (s/s) (178 ps) - DRIVING MODES
2022

64440 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£292

48 month PCP

£19,017
View car

WA70VDL

Mercedes-Benz

A Class

20277

313.1

Black

5 doors

Front Wheel Drive

Hatchback

Petrol Plug-in Hybrid

Automatic

Storage

20279

2020

Dec 31, 2020

Oct 03, 2025

5 seats

Mercedes-Benz A Class
Image coming soon
EV offer: 8.9% APR
Reserved

Mercedes-Benz A Class

1.3 A250e 15.6kWh AMG Line (Premium 2) Hatchback 5dr Petrol Plug-in Hybrid 8G-DCT Euro 6 (s/s) (218 ps) - HEATED LEATHER
2020

20279 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£313

48 month PCP

£20,277
View car

VK21KKG

Volkswagen

Golf

20322

315.49

Yellow

5 doors

Front Wheel Drive

Hatchback

Petrol Hybrid

Automatic

Storage

31738

2021

Mar 31, 2021

Oct 03, 2025

5 seats

Volkswagen Golf
Image coming soon
EV offer: 8.9% APR
Reserved

Volkswagen Golf

1.5 eTSI MHEV R-Line Hatchback 5dr Petrol Hybrid DSG Euro 6 (s/s) (150 ps) - SPORTS SEATS
2021

31738 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£315

48 month PCP

£20,322
View car

LA72FFT

Tesla

Model 3

22237

353.01

Grey

4 doors

Four Wheel Drive

Saloon

Electric

Automatic

Storage

40690

2022

Dec 23, 2022

Oct 03, 2025

5 seats

Tesla Model 3
Image coming soon
EV offer: 8.9% APR
Reserved

Tesla Model 3

(Dual Motor) Long Range Saloon 4dr Electric Auto 4WDE (346 ps) - LED
2022

40690 mi

Automatic
Electric

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£353

48 month PCP

£22,237
View car

WO21VOU

Ford

Kuga

18749

295.38

Grey

5 doors

Front Wheel Drive

suv

Petrol Plug-in Hybrid

Automatic

Storage

30702

2021

Jul 14, 2021

Oct 03, 2025

5 seats

Ford Kuga
Image coming soon
EV offer: 8.9% APR
Reserved

Ford Kuga

2.5 Duratec 14.4kWh ST-Line X Edition SUV 5dr Petrol Plug-in Hybrid CVT Euro 6 (s/s) (225 ps) - LANE DEPARTURE
2021

30702 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£295

48 month PCP

£18,749
View car

ET70AUA

Land Rover

Discovery Sport

24047

380.55

Blue

5 doors

Four Wheel Drive

Suv

Diesel

Automatic

Storage

47785

2021

Feb 26, 2021

Oct 03, 2025

7 seats

Land Rover Discovery Sport
Image coming soon
EV offer: 8.9% APR
Reserved

Land Rover Discovery Sport

2.0 D200 MHEV SE SUV 5dr Diesel Auto 4WD Euro 6 (s/s) (204 ps) - REVERSE CAM
2021

47785 mi

Automatic
Diesel

7 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£380

48 month PCP

£24,047
View car

MT21NRU

Peugeot

E-2008

14243

211.11

Grey

5 doors

Front Wheel Drive

Suv

Electric

Automatic

Storage

17958

2021

May 31, 2021

Oct 03, 2025

5 seats

Peugeot E-2008
Image coming soon
EV offer: 8.9% APR
Reserved

Peugeot E-2008

50kWh GT SUV 5dr Electric Auto (136 ps) - BLIND SPOT ASSIST
2021

17958 mi

Automatic
Electric

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£211

48 month PCP

£14,243
View car

BW21MYH

Hyundai

Kona

18070

276.09

Blue

5 doors

Front Wheel Drive

Suv

Petrol Hybrid

Automatic

Storage

20438

2021

Aug 06, 2021

Oct 03, 2025

5 seats

Hyundai Kona
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai Kona

1.6 h-GDi Ultimate SUV 5dr Petrol Hybrid DCT Euro 6 (s/s) (141 ps) - REVERSE CAM
2021

20438 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£276

48 month PCP

£18,070
View car

CJ21GKL

BMW

2 Series Gran Coupe

19984

282.15

Black

4 doors

Front Wheel Drive

Saloon

Petrol

Automatic

Storage

35658

2021

Jun 30, 2021

Oct 03, 2025

5 seats

BMW 2 Series Gran Coupe
Image coming soon
EV offer: 8.9% APR
Reserved

BMW 2 Series Gran Coupe

1.5 218i M Sport Saloon 4dr Petrol DCT Euro 6 (s/s) (136 ps) - LANE DEPARTURE
2021

35658 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£282

48 month PCP

£19,984
View car

SA73BKV

Skoda

Octavia

22690

367.94

Silver

5 doors

Front Wheel Drive

Hatchback

Diesel

Automatic

Storage

19655

2023

Sep 30, 2023

Oct 03, 2025

5 seats

Skoda Octavia
Image coming soon
EV offer: 8.9% APR
Reserved

Skoda Octavia

2.0 TDI SE L Hatchback 5dr Diesel DSG Euro 6 (s/s) (150 ps) - BLUETOOTH
2023

19655 mi

Automatic
Diesel

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£367

48 month PCP

£22,690
View car

AK21LNZ

BMW

3 Series

18874

291.04

Grey

4 doors

Rear Wheel Drive

Saloon

Petrol Plug-in Hybrid

Automatic

Storage

64170

2021

Apr 30, 2021

Oct 03, 2025

5 seats

BMW 3 Series
Image coming soon
EV offer: 8.9% APR
Reserved

BMW 3 Series

2.0 330e 12kWh M Sport Saloon 4dr Petrol Plug-in Hybrid Auto Euro 6 (s/s) (292 ps) - PERFORMANCE CONTROL
2021

64170 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£291

48 month PCP

£18,874
View car

EO20TWY

BMW

X1

19079

287.53

Blue

5 doors

Front Wheel Drive

suv

Diesel

Automatic

Storage

42528

2020

Jul 20, 2020

Oct 03, 2025

5 seats

BMW X1
Image coming soon
EV offer: 8.9% APR
Reserved

BMW X1

2.0 18d xLine SUV 5dr Diesel Auto sDrive Euro 6 (s/s) (150 ps) - BMW SPORT AUTO
2020

42528 mi

Automatic
Diesel

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£287

48 month PCP

£19,079
View car

KF21UDT

Peugeot

5008

20986

319.05

Black

5 doors

Front Wheel Drive

mpv

Petrol

Automatic

Storage

34831

2021

Jul 29, 2021

Oct 03, 2025

7 seats

Peugeot 5008
Image coming soon
EV offer: 8.9% APR
Reserved

Peugeot 5008

1.2 PureTech GT SUV 5dr Petrol EAT Euro 6 (s/s) (130 ps) - BLUETOOTH
2021

34831 mi

Automatic
Petrol

7 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£319

48 month PCP

£20,986
View car

NG21MMA

BMW

X2

18692

294.31

Black

5 doors

Four Wheel Drive

Suv

Petrol Plug-in Hybrid

Automatic

Storage

36648

2021

May 25, 2021

Oct 03, 2025

5 seats

BMW X2
Image coming soon
EV offer: 8.9% APR
Reserved

BMW X2

1.5 25e 10kWh Sport SUV 5dr Petrol Plug-in Hybrid Auto xDrive Euro 6 (s/s) (220 ps) - BLUETOOTH
2021

36648 mi

Automatic
Petrol Plug-in Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£294

48 month PCP

£18,692
View car

RE72LBK

Volkswagen

Golf

17450

255.74

Black

5 doors

Front Wheel Drive

Hatchback

Petrol

Manual

Storage

22839

2022

Oct 28, 2022

Oct 03, 2025

5 seats

Volkswagen Golf
Image coming soon
EV offer: 8.9% APR
Reserved

Volkswagen Golf

1.5 TSI Life Hatchback 5dr Petrol Manual Euro 6 (s/s) (150 ps) - ISOFIX
2022

22839 mi

Manual
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£255

48 month PCP

£17,450
View car

YE71VTC

Volkswagen

T-cross

17517

253.97

Blue

5 doors

Front Wheel Drive

Suv

Petrol

Automatic

Storage

26425

2021

Dec 21, 2021

Oct 03, 2025

5 seats

Volkswagen T-cross
Image coming soon
EV offer: 8.9% APR
Reserved

Volkswagen T-cross

1.0 TSI Active SUV 5dr Petrol DSG Euro 6 (s/s) (110 ps) - DAB
2021

26425 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£253

48 month PCP

£17,517
View car

NC21JHO

Toyota

Corolla

16358

248.39

Black

5 doors

Front Wheel Drive

Estate

Petrol Hybrid

Automatic

Storage

45609

2021

Jul 22, 2021

Oct 03, 2025

5 seats

Toyota Corolla
Image coming soon
EV offer: 8.9% APR
Reserved

Toyota Corolla

1.8 VVT-h GPF Icon Touring Sports 5dr Petrol Hybrid CVT Euro 6 (s/s) (122 ps) - BLUETOOTH
2021

45609 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£248

48 month PCP

£16,358
View car

HK20AZG

BMW

X1

19122

366.98

White

5 doors

Front Wheel Drive

suv

Petrol

Automatic

Storage

34613

2020

Aug 07, 2020

Oct 03, 2025

5 seats

BMW X1
Image coming soon
EV offer: 8.9% APR
Reserved

BMW X1

1.5 18i M Sport SUV 5dr Petrol DCT sDrive Euro 6 (s/s) (140 ps) - DRIVING MODES
2020

34613 mi

Automatic
Petrol

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£366

60 month HP

£19,122
View car

BF22FYO

Hyundai

Kona

15563

224.71

Grey

5 doors

Front Wheel Drive

Suv

Electric

Automatic

Storage

19554

2022

Jul 29, 2022

Oct 03, 2025

5 seats

Hyundai Kona
Image coming soon
EV offer: 8.9% APR
Reserved

Hyundai Kona

64kWh Premium SUV 5dr Electric Auto (10.5kW Charger) (204 ps) - HEATED SEATS
2022

19554 mi

Automatic
Electric

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£224

48 month PCP

£15,563
View car

BK21MYA

Volvo

XC40

22416

357.82

Black

5 doors

Front Wheel Drive

Suv

Petrol Hybrid

Automatic

Storage

52000

2021

Mar 23, 2021

Oct 03, 2025

5 seats

Volvo XC40
Image coming soon
EV offer: 8.9% APR
Reserved

Volvo XC40

2.0 B4 MHEV R-Design SUV 5dr Petrol Hybrid Auto Euro 6 (s/s) (197 ps) - CLIMATE CONTROL
2021

52000 mi

Automatic
Petrol Hybrid

5 seats

Autotrader Good PriceAutotrader Great PriceAutotrader Lower Price
£357

48 month PCP

£22,416
View car
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Finance from 8.9% APR

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Finance representative example (PCP)

Total cash price £12,450.00. Borrowing £10,450.00 with a £2,000.00 deposit at a representative APR of 10.9%

Fixed interest rate / annum
5.12%
Total amount payable
£16,158.99
Optional final payment
£6,268.75
Excess mileage charge
14.9p per mile
48 monthly payments
£164.38
Total amount payable
£3,668.99
Annual mileage limit
6,000

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Carsa Ltd is authorised and regulated by the Financial Conduct Authority, FCA Registered Number (FRN) 935130. Carsa Ltd is a Credit Broker not a Lender. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact customercare@carsa.co.uk. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further information is available by calling the FOS on 0845 080 1800 or visit https://www.financial-ombudsman.org.uk. You can check on the FCA's Register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Lenders typically pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model, product or amount you borrow. Different lenders may pay different commissions for such introductions. However, any such amounts lenders pay us will not affect the amount of interest or monthly payments you pay under your finance agreement, all of which are set by the lender concerned.

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