The best used Tesla Model Y finance deals
Use our Tesla Model Y 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 Y 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%.
Why choose an Tesla Model Y?
The used Tesla Model Y car stands out in the pre-owned market as a compelling blend of electric innovation, practical SUV utility, and cutting-edge technology, making it a unique proposition for a wide range of buyers. It's perfect for eco-conscious families needing versatile space, tech enthusiasts craving a modern driving experience, or anyone looking to enter the EV world without sacrificing performance or luxury. Its strong resale value and continuous over-the-air updates ensure it remains a relevant and desirable option.
In terms of performance, the Model Y offers exhilarating acceleration, with the Long Range AWD variant achieving 0-60 mph in just 4.8 seconds, while the Performance model cuts that to a blistering 3.5 seconds. Its dual-motor all-wheel-drive system provides confident handling and traction in various conditions. Inside, the minimalist cabin exudes luxury with premium materials, a panoramic glass roof, and a dominant 15-inch touchscreen display that controls nearly all vehicle functions, including advanced features like Autopilot. As a used purchase, the Model Y offers exceptional value, benefiting from Tesla's robust charging infrastructure, lower running costs compared to gasoline vehicles, and a proven track record of reliability. Its expansive cargo space, easily accessible via a power liftgate, and comfortable seating for five (or seven in some configurations) further solidify its appeal as a practical yet sophisticated electric SUV.
Financing a Model Y:
Financing a Tesla Model Y makes more sense than ever. Thanks to its strong residual values and enduring desirability, the Model Y is an excellent choice for financing. This is particularly beneficial for PCP (Personal Contract Purchase) customers, as it can lead to lower monthly payments and greater equity at the end of the agreement.
We offer competitive APR rates starting from just 7.9%, with a representative APR of 8.9%. Our flexible terms mean we can fund Model Ys of various ages, ensuring you get the best deal. Our advanced comparison technology searches a panel of lenders to find the perfect match for your chosen vehicle, making the process simple and transparent. Discover how affordable a Tesla Model Y can be – try a comparison today!
Tesla Model Y finance calculator
Rates from 7.9% APR.
Work out the monthly payments on any Tesla Model Y 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.
 | Average dealer | |
|---|---|---|
| Representative APR | 8.90% | 11.03% |
| Monthly payment | £338 | £356 |
| Total payable | £16,413 | £17,319 |
| Monthly saving | £18 | N/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
Get an instant estimate
Latest Tesla Model Y 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 | |
|---|---|---|---|---|---|
Long Range AWD 5dr Auto 30th Sep 2026 More details | £29,440 £12,000 deposit over 36 months | 8.9% | £262.98 | £12,036 | £46.48 |
13,265 miles 30th Sep 2026 More details | £29,440 £12,000 deposit over 36 months | 8.9% | £255.23 | £12,345 | £46.93 |
13,265 miles 30th Sep 2026 More details | £29,440 £2,944 deposit over 48 months | 8.9% | £445.00 | £12,345 | £62.72 |
(Dual Motor) Performance Auto 4WDE 5dr 71,250 miles 5th Sep 2026 More details | £23,895 £3,500 deposit over 48 months | 8.9% | £328.38 | £10,295 | £61.51 |
(Dual Motor) Performance Auto 4WDE 5dr 71,250 miles 5th Sep 2026 More details | £23,895 £350 deposit over 48 months | 8.9% | £407.50 | £10,295 | £68.38 |
(Dual Motor) Performance Auto 4WDE 5dr 71,250 miles 5th Sep 2026 More details | £23,895 £2,390 deposit over 48 months | 8.9% | £356.25 | £10,295 | £58.90 |
Auto RWD 5dr 79,723 miles 4th Sep 2026 More details | £18,970 £2,000 deposit over 48 months | 8.9% | £296.77 | £7,249 | £39.29 |
Long Range AWD 5dr Auto 4th Sep 2026 More details | £21,000 £1,000 deposit over 60 months | 8.9% | £297.32 | £8,762 | £35.32 |
Long Range AWD 5dr Auto 10th Aug 2026 More details | £20,499 £0 deposit over 48 months | 8.9% | £372.72 | £7,959 | £40.64 |
Long Range AWD 5dr Auto 10th Aug 2026 More details | £20,499 £0 deposit over 48 months | 8.9% | £372.72 | £7,959 | £40.64 |
Long Range AWD 5dr Auto 10th Aug 2026 More details | £20,499 £0 deposit over 48 months | 8.9% | £372.72 | £7,959 | £40.64 |
Long Range 21,151 miles 21st Jul 2026 More details | £28,420 £3,000 deposit over 48 months | 8.9% | £439.27 | £11,152 | £45.83 |
RWD 5dr Auto 11th Jun 2026 More details | £22,031 £3,000 deposit over 48 months | 8.9% | £469.58 | N/A | £42.62 |
RWD 5dr Auto 27th May 2026 More details | £21,595 £1,000 deposit over 48 months | 8.9% | £335.68 | £10,168 | £62.95 |
RWD 5dr Auto 27th May 2026 More details | £21,595 £2,800 deposit over 48 months | 8.9% | £290.47 | £10,168 | £58.91 |
RWD 5dr Auto 27th May 2026 More details | £21,595 £2,800 deposit over 48 months | 8.9% | £463.76 | N/A | £42.09 |
Performance 50,000 miles 22nd May 2026 More details | £25,925 £2,593 deposit over 48 months | 8.9% | £575.71 | N/A | £57.36 |
RWD 5dr Auto 14th May 2026 More details | £21,442 £1,500 deposit over 48 months | 8.9% | £492.06 | N/A | £44.66 |
Performance AWD 5dr Auto 8th May 2026 More details | £20,000 £2,000 deposit over 48 months | 8.9% | £444.15 | N/A | £40.30 |
Performance AWD 5dr Auto 8th May 2026 More details | £27,000 £2,000 deposit over 48 months | 8.9% | £616.87 | N/A | £55.98 |
Performance AWD 5dr Auto 8th May 2026 More details | £27,000 £1,000 deposit over 60 months | 8.9% | £534.13 | N/A | £59.77 |
84.7kWh (Dual Motor) Long Range Auto 4WDE 5dr 10,496 miles 16th Mar 2026 More details | £46,880 £4,688 deposit over 48 months | 7.9% | £712.20 | £18,073 | £86.03 |
Dual Motor Performance Auto 4WD 5dr 20,464 miles 16th Mar 2026 More details | £29,000 £2,930 deposit over 48 months | 8.9% | £406.65 | £13,894 | £34.92 |
Dual Motor Long Range Auto 4WDE 5dr 39,609 miles 12th Feb 2026 More details | £23,990 £2,399 deposit over 48 months | 8.9% | £323.69 | £12,240 | £47.30 |
Calculations based on the last 24 calculations where a saving was available. Saving data does not include any additional admin (or other) fees normally incurred in a finance agreement.
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