The best used Tesla Model 3 finance deals

Use our Tesla Model 3 finance calculator to compare PCP and HP payments on the exact car you want - using a URL, a registration number, or just the make and model. Tesla dealerships often mark up their finance rates to boost their profits. At Prefinance, we cut out the middleman. You find the Model 3 on AutoTrader, Motors.co.uk, or anywhere else and we provide the funding at a rate that beats the dealer. Rates starting from 7.9% - Representative APR 8.9%.

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Why choose an Tesla Model 3?

The used Tesla Model 3 carves out a unique and highly desirable niche in the pre-owned market, standing as a testament to electric vehicle innovation and accessibility. It's the perfect choice for tech-savvy drivers, eco-conscious commuters, and anyone looking to experience the thrill of electric performance without the brand-new price tag. Its blend of cutting-edge technology, exhilarating driving dynamics, and surprising practicality makes it an outstanding value.

Under the hood (or, rather, under the floor), the Model 3 delivers impressive performance, with even the base Rear-Wheel Drive models offering 0-60 mph times in the low 5-second range, while Dual Motor variants can dip into the low 3s. Its low center of gravity and precise steering ensure sharp handling, making every drive engaging. Inside, the minimalist cabin is dominated by the expansive 15-inch touchscreen, which controls nearly every vehicle function, from navigation to climate, and features over-the-air updates that continually improve the car. As a used purchase, the Model 3 offers exceptional value due to its robust battery technology, lower running costs compared to gasoline cars, and Tesla's strong resale market. Furthermore, its Supercharging network access remains a significant advantage, providing unparalleled convenience for long-distance travel.

Financing a Model 3:

Financing a Tesla Model 3 can be a smart choice, especially given its strong residual values and high desirability. This means the Model 3 holds its value well over time, which is a significant benefit for customers using Personal Contract Purchase (PCP) finance. A higher residual value often translates to lower monthly payments, making the Model 3 more accessible than you might think.

We offer competitive finance options with APR rates starting from just 7.9%, with a representative APR of 8.9%. Our flexible terms mean we can finance Model 3s of various ages. Our advanced comparison technology is designed to find the best lender and deal for the specific vehicle you're interested in. Ready to see how affordable a Tesla Model 3 can be? Try a comparison today and take the first step towards driving your dream car.

Tesla Model 3 finance calculator

Rates from 7.9% APR.
Work out the monthly payments on any Tesla Model 3 with our free PCP and HP calculator. Why accept a high 12.90% APR from a dealer? Here are the facts based on our user's comparisons: We save on average £18.24 per month on used Tesla finance deals.

Prefinance logoAverage dealer
Representative APR 8.90%11.03%
Monthly payment £338£356
Total payable £16,413£17,319
Monthly saving £18N/A

Statistics based on a sample size of 11 real Tesla finance calculations and comparisons from 12/1/2025 to 2/12/2026. Data last updated on 2/12/2026

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£
This is how much the vehicle is currently listed for.
£
How much will you be putting towards the vehicle (optional).
How long would you like your finance to last?
£
PCP only: how much would it cost for you to buy the vehicle at the end of your finance agreement?

Latest Tesla Model 3 finance quotes

We compare multiple brokers and their lenders to find you the very best deal. You get to buy the same car for same price, but with lower payments.

Price Rep. APR Monthly payment GFV or Final payment Monthly saving
34,540 miles
25th Sep 2026
More details
£22,810
£3,000 deposit over 60 months
8.9% £320.31 £6,781 £60.60
34,540 miles
25th Sep 2026
More details
£22,810
£3,000 deposit over 48 months
8.9% £376.44 £6,781 £59.87
34,540 miles
25th Sep 2026
More details
£22,810
£2,281 deposit over 48 months
8.9% £394.51 £6,781 £61.60
(Dual Motor) Performance Auto 4WDE 4dr (Performance Upgrade)
48,522 miles
5th Sep 2026
More details
£18,495
£1,859 deposit over 48 months
8.9% £331.84 £4,815 £53.09
(Dual Motor) Performance Auto 4WDE 4dr (Performance Upgrade)
47,670 miles
5th Sep 2026
More details
£22,395
£2,240 deposit over 48 months
8.9% £384.22 £6,831 £49.50
(Dual Motor) Performance Auto 4WDE 4dr (Performance Upgrade)
96,974 miles
5th Sep 2026
More details
£17,490
£1,749 deposit over 48 months
8.9% £388.40N/A £49.85
(Dual Motor) Performance Auto 4WDE 4dr (Performance Upgrade)
96,974 miles
5th Sep 2026
More details
£17,490
£1,749 deposit over 48 months
8.9% £388.40N/A £49.85
(Dual Motor) Performance Auto 4WDE 4dr (Performance Upgrade)
58,570 miles
5th Sep 2026
More details
£16,990
£1,699 deposit over 48 months
8.9% £377.30N/A £30.08
RWD 4dr Auto
12,099 miles
19th Jul 2026
More details
£29,985
£9,000 deposit over 48 months
8.9% £343.11 £10,300 £34.09
RWD 4dr Auto
12,099 miles
19th Jul 2026
More details
£29,985
£9,000 deposit over 48 months
8.9% £293.95 £13,053.12 £36.58
RWD 4dr Auto
12,099 miles
19th Jul 2026
More details
£29,985
£2,999 deposit over 48 months
8.9% £444.69 £13,053.12 £43.67
RWD 4dr Auto
12,099 miles
19th Jul 2026
More details
£29,985
£2,999 deposit over 48 months
8.9% £444.69 £13,053.12 £43.67
Performance
6,000 miles
19th Jun 2026
More details
£46,950
£4,695 deposit over 48 months
7.9% £1,024.20N/A £111.20
Long Range
49,687 miles
14th Jun 2026
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£20,100
£2,040 deposit over 60 months
8.9% £371.01N/A £32.50
Long Range
49,687 miles
14th Jun 2026
More details
£20,100
£2,040 deposit over 48 months
8.9% £445.63N/A £31.69
21,871 miles
14th May 2026
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£26,950
£500 deposit over 60 months
8.9% £543.37N/A £39.22
21,871 miles
14th May 2026
More details
£26,950
£2,695 deposit over 48 months
8.9% £598.49N/A £35.09
30,000 miles
14th May 2026
More details
£25,995
£2,600 deposit over 48 months
8.9% £577.27N/A £46.01
Standard Plus 4dr Auto
19th Feb 2026
More details
£12,200
£0 deposit over 48 months
8.9% £187.51 £6,658.63 £30.15

Calculations based on the last 19 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.

Frequently asked questions

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