Fair price
SEAT Ibiza
2016 Vista
PetrolManual69,821 mi2016
Band C · £35/yr
Finance available on request
£5,280
cash
Cobalt Motors·4.5 (153)· Gosforth
SEAT Ibiza representative finance example
A genuine Hire Purchase quote for a 2018 SEAT Ibiza currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £311
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £13,495.00
- Cash deposit
- £0.00
- Total amount of credit
- £13,495.00
- Total amount payable
- £18,644.00
- Representative APR
- 14.4%
- Total charge for credit
- £5,148.00
- Fixed rate of interest pa
- 7.63%
- Option to purchase fee
- £1.00
The legal bit
OAK TREE MOTOR COMPANY WALES LIMITED is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 448152).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How SEAT Ibiza finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the Ibiza, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the Ibiza outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a SEAT Ibiza
Check your eligibility for SEAT Ibiza finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilitySEAT Ibiza in stock now — from £5,280
Above market
SEAT Ibiza
2016 Fr Technology Tsi
PetrolManual58,000 mi2016
Band C · £35/yr
Finance available on request
£7,495
cash
Protheroes·4.4 (74)· Market Harborough
Fair price
SEAT Ibiza
2019 Xcellence Tsi
PetrolManual65,027 mi2019
£200/yr
Finance available on request
£9,550
cash
JTW Motors·5.0 (72)· Stone
Above market
SEAT Ibiza
2018 Fr Tsi Semi-auto
PetrolAutomatic11,277 mi2018
£200/yr
£311/mo
£13,495
cash
Oaktree Motor Company·4.7 (200)· Cwmbran
Frequently asked questions
- How much is a SEAT Ibiza on finance per month?
- Finance on a used SEAT Ibiza starts from around £311 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked SEAT Ibiza deal with the full APR and totals.
- Can I get a SEAT Ibiza on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used SEAT Ibiza listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a SEAT Ibiza — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Ibiza outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get SEAT Ibiza finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a SEAT Ibiza?
- There's no fixed minimum — many SEAT Ibiza agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used SEAT Ibiza per month on finance?
- A used SEAT Ibiza can be financed from £219 per month. This is based on a representative example with no deposit over 60 months on a Hire Purchase (HP) agreement, at a representative APR of 13%. Finance is subject to status.
- What deposit and APR do I need for a used SEAT Ibiza?
- The representative finance example for a used SEAT Ibiza uses no deposit and a representative APR of 13%. Your personal finance rate and required deposit will depend on your individual credit history and affordability assessment.
- What's the difference between HP and PCP for a used SEAT Ibiza?
- Hire Purchase (HP) means you own the SEAT Ibiza outright after all payments are made. Personal Contract Purchase (PCP) involves lower monthly payments and you have options at the end of the term: return the car, pay a balloon payment to own it, or use any equity towards a new car.
- Can I get finance on a used SEAT Ibiza with the price range shown?
- Yes, finance is available for used SEAT Ibiza models within our current price range of £9,995 to £13,495. Our cheapest model starts from £219 per month on finance.