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£16,995

PCP: from £309 pm

HP: from £380 pm

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

SuzukiS-Cross h Motion

1 Suzuki S-Cross review

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Mccarthy Cars 72-74 Mitcham Road

020 3018 2659^*

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Overview

Mileage:
12,484
Year:
2023
Fuel type: Hybrid
Transmission: Automatic
Body type: Suv
Colour: Metallic black
Doors: 5
Engine size: 1.5 L
CO₂ Emissions: 118 g/km

Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.

Vehicle details

Metallic Black, Matching Two-Tone Black Sports Interior With Heated Seats, Touch Screen Infotainment System, Satellite Navigation, Reversing Camera With Front And Rear Parking Sensors, Bluetooth With Music Streaming, DAB Radio, USB Input, Smart Phone Integrated Apple Carplay/Android Auto, Air Conditioning, Climate Control, Adaptive Cruise Control, Electric Windows/Mirrors, Multi-Function Steering Wheel, Power Steering, ABS Brakes, Multi Airbags, 5 Headrests, Three Point Rear Seatbelts, ISOFIX Child Seat Preparation, Push Button To Start, Arm Rest, Daytime Running LED Lights, 17in Alloy Wheels, Remote Alarm, Just 1 Private Owner From New, This Car Has Covered Only 12000 Miles & Benefits From A Full Service History, NO ULEZ CHARGE.Every Vehicle is Subjected To a Rigorous RAC Approved 82 Point Buysure Inspection and is supplied Fully Serviced With a RAC Platinum Parts and Labour Warranty, 1 Years MOT, 12 Months RAC Roadside Assistance including and HPI Checked, Admin Fee May Apply, 4 Years RAC Platinum Parts and Labour Warranty Available, Over 200 Cars in Stock, Finance Available, No Deposit Required, Part Exchange Available. McCarthy Cars Are RAC Approved and Highly Recommended By Them, Have Complete Peace Of Mind With The McCarthy Cars and RAC Buysure Programme.Available extras include Privacy Glass, Bluetooth, Sat Nav, DAB Radio, Front and Rear PDC Parking Aids, Leather Interiors and Heated Seats.McCarthy Cars are a Multi Award Winning Car Dealership and Most Loved Business in Croydon. Find Us On Facebook, You Tube and Twitter @mccarthycarsuk. McCarthy Cars, A Family Run Business Established 50 Years Ago, Open 7 Days a Week. CR0 3RG, 02030182659 / 02030182659 dealer's website sales dealer's website

Vehicle features

12V Accessory Socket - Centre Lower Box
12V Accessory Socket - Luggage Area
4.2in Colour LCD Information Display
7in Infotainment Display
Bluetooth Integrated into Audio Unit
DAB Digital Radio
eCall
Smartphone Link Audio - Apple CarPlay and Android Auto
Speakers x4
Tweeters x2
USB Connector
Adaptive Cruise Control
Front and Rear Parking Sensors
Lane Departure Warning
Lights-On and Key-In Reminder
Rear Parking Camera
Tachometer
TPMS - Tyre Pressure Monitoring System
Traffic Sign Recognition
Weaving Alert
17in Alloy Wheels - Painted Finish
Body Coloured Exterior Door Handles
Body Coloured Exterior Door Mirrors
Chrome Window Sills
Electric Front Windows
Electric Rear Windows
Electrically Adjustable-Heated-Power Folding Door Mirrors with Built-In Turn Signal Lamp
Emergency Flat Tyre Repair Kit
Front Grille - Chrome
Front Wiper - 2 Speeds - Low - High with Adjustable Intermittent Plus Washer
Locking Wheel Nuts
Rear Fog Lamps
Rear Privacy Glass
Roof Rails - Aluminium
Wheel Arch Extensions
Automatic Headlamp Levelling
Automatic Headlamps
Daytime Running Lights - LED
Front Fog Lamps
LED Headlamps - Low and High Beam
LED Rear Combination Lamps
2 x Front Door and 2 x Rear Door Bottle Holders
2-Position Reclining Rear Seat
3-Spoke Leather Covered Steering Wheel
4x Cup Holders - x2 Front - x2 Rear
Automatic Wiper
Centre Cabin Light
Centre Lower Box
Centre Lower Console Box Light
Chrome Interior Door Handles
Driver Seat Height Adjuster
Dual-Zone Automatic Air Conditioning
Fabric Door Trim Insert Front
Foot Rest - Driver Side
Front Centre Armrest
Front Footwell Lights
Front Map Light
Front Sun Visors with Vanity Mirrors and Ticket Holders
Front Vanity Mirror Illumination
Gear Shift Paddles
Glovebox Light
Heated Drivers and Front Passenger Seats
Heater
Luggage Area Cover
Luggage Area Light
Luggage Area Shopping Bag Hook - Net Hook x2
Manual Day-Night Rear-View Mirror
Passenger Side Seatback Pocket
Passengers Side Assist Grips
Pollen Filter
Rear Assist Grips x2
Rear Centre Armrest
Rear Seat with 60-40 Split Folding
Removable Double Luggage Room Floor
Shift Knob Piano Black with Silver Accent
Side Louvre Bezels - Silver
Steering Wheel Mounted Audio Controls
Tilt and Telescopic Adjustable Steering Wheel
Power Steering
ABS with EBD and Brake Assist Function
Child Seat Tether Anchorages x 3
Childproof Rear Door Locks
Curtain Airbags
Deadlocks
Driver and Front Passenger Airbags
Driver Knee Airbag
Dual Sensor Brake Support - AEB
Emergency Stop Signal
ESP - Electronic Stability Program
Freewheeling Key Cylinders
Front - Side and Rear Under Body Trim - Silver
Front 3-Point ELR Seatbelts with Pretensioner-Force Limiter
Front and Rear Seatbelt Reminder
Front Passenger Airbag Deactivation System
Hill Hold Control
Immobiliser
ISOFIX Child Seat Anchorages x 2
Keyless Entry and Start
Lane Departure Prevention
Rear 3-Point ELR Seatbelts x 3
Rear Wiper - 1 Speed with Intermittent Plus Washer
Remote Central Door Locking
Security Alarm
Side Airbags - Incorporated into Front Seats
Side Impact Protection Beams
Visible VIN

Remember to check the details of this car with the dealer before you buy it to make sure that all the information is accurate.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

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What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

What is Hire Purchase (HP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

For this vehicle you have selected only HP is available.

All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.

Hire Purchase

PCP

Amount to borrow
Monthly payments
Illustrative APR
Total amount payable

Amount to borrow
First payment
Monthly payments
Final payment
Illustrative APR
Total amount payable

Representative example:

Borrowing £10,000 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, 59 monthly payments of £223.33 followed by 1 payment of £233.33, total cost of credit is £3,409.80*, total amount payable is £13,409.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

Borrowing £16,000.00 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, deposit of £0, 48 monthly payments of £299.67, optional final payment £7,645.00 (inc. £10 option to purchase fee), total cost of credit is £6,029.16†, total amount of credit is £16,000.00, total amount payable is £22,029.16.

Representative Example is for AA PCP agreement for a Ford Focus Estate with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.

†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. Terms and conditions apply. A guarantee may be required. Over 18's only. This service is provided by Evolution Funding Limited who are authorised and regulated by the Financial Conduct Authority for credit brokerage, FCA number is 823324. Evolution Funding Limited are a credit broker, not a lender. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to do so.

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Vehicle history check

For LO23OTU

Not recorded as stolen
No third-party trace
0 previous keepers show

The current keeper is not included in the number of previous keepers.

This vehicle has had 1 registered keeper from new. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 09/09/2025 at 07:42

What's not included?

Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
Vehicle Tax Check

*Provided where available

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Category write-offs

A vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.

Category S (formerly Category C)

The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.

Category N (formerly Category D)

Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.

Buying a written-off vehicle:

Do a full vehicle history check to identify category vehicles.
Make sure to check with the dealer if a Cat S/N vehicle has been professionally repaired.
Book a vehicle inspection and our experts will look over a Category vehicle for you.

Source	Date	Mileage
RMI MIL'GE	09/07/2024	5,586