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£18,895

PCP: from £340 pm

HP: from £414 pm

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

SkodaKamiq 1.0 TSI Monte Carlo SUV 5dr Petrol DSG Euro 6 (s/s) (110 ps)

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Harpers Cumbria - Carlisle

01228 392 186^*

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Overview

Mileage:
17,127
Year:
2023
Fuel type: Petrol
Transmission: Automatic
Body type: Suv
Colour: Blue
Doors: 5
Engine size: 1.0 L
CO₂ Emissions: 138 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

2 owners/Low mileage.

Want to see more? We can send you a personalised video of this vehicle to your smart device or email address. We stock more than 40 quality used vehicles, please visit dealer's website to see our full selection. Harpers Cumbria are a family run business and have been trading for over 30 years, priding ourselves on our 5 star reputation and constant repeat custom. Located in Carlisle, Cumbria. we can deliver cars throughout the UK. Our customers benefit from trust & transparency when purchasing premium used cars from a well established family run company. We price check our used car stock daily against competitors we are confident that we offer fantastic value together with our personal service. Thank you for looking at our advert today, we hope you will get in touch soon on 01228392186 or email us at sales dealer's website . You can reserve any used car for £500, finance or full purchase a vehicle is available. We look forward to hearing from you..

Finance available-SEE MORE OF OUR VEHICLES NOT ADVERTISED ON AUTOTRADER AT dealer's website

Vehicle features

12V Socket on Central Console
2 USB-C Ports
Amundsen Satellite Navigation with 9.2in Touchscreen Display with Virtual Cockpit - Web Radio and Care Connect 1 Year and Infotainment Online 1 Year
Bluetooth
DAB Radio
Emergency-Call
Skoda Proactive Services
Speakers x8
Wireless Smartlink
Cruise Control
Rear Parking Sensors
TPMS - Tyre Pressure Monitoring System
Traffic Sign Recognition
Trip Computer - Black and White
Voice Control
18in Alloy Wheels - Vega Black
Anti-Theft Locking Wheel Bolts
Black Lettering on Boot Lid
Black Roof Rails - Door Mirrors and Radiator Grille
Body Coloured Roof Spoiler
Bumpers - Body Coloured
Electrically Adjustable and Heated Door Mirrors
Front and Rear Electric Windows
Headlights - Range Adjustment
Heated Rear Windscreen
Monte Carlo Plaque
Panoramic Sunroof with Black Roof Rails
Privacy Glass
Rear Diffuser - Black
Rear Fog Lights
Sports Bumpers
Tyre Repair Kit
Full LED Headlights
Rear LED Lights with Dynamic Indicators - High Functionality
3-Spoke Leather Sports Multi-Function Steering Wheel
Aluminium Pedals
Ambient Lighting White
Black Ceiling for Black/ Beige Interior
Black Roof Lining
Carbon Effect Dashboard Inserts
Chrome Interior Door Handles
Dimming Rear View Mirror with Black Surround
Front Centre Armrest
Gesture Control
Glove Compartment - Illuminated
Height Adjustable Driver and Front Passenger Seat - Manual
Ice Scraper
Manual Air Conditioning with Pollen Filter
Manual Lumbar Support for Front Seats
Manual Parking Brake
Reading Lights - Front and Rear
Sun Visors with Illumination on Front Passenger Side
Textile Floor Mats
Third Rear Headrest
Umbrella in Driver Side Door
Virtual Cockpit
Power Steering
Speed Limiter
ABS - Anti-Lock Braking System
Airbags - Passenger Deactivation Switch
Alarm with SAFE Function for Central Locking
Driver and Front Passenger Airbag
Electronic Engine Immobiliser
Front Assistant
HHC - Hill Hold Control
ISOFIX Child Seat Preparation - Front Passenger
ISOFIX Child Seat Preparation - Outer Rear
Lane Assistant
One Tone Horn
Remote Central Locking - with 2 Keys
Seatbelt Reminder for Driver and Co-Driver
Side Airbags in Front with Curtain Airbags
Top Tether for Front Passenger Seat
Rear View Camera

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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Make your Car Finance product selection below

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 11.9%, annual interest rate (fixed) 11.9%, 59 monthly payments of £218.83 followed by 1 payment of £228.83, total cost of credit is £3,139.80*, total amount payable is £13,139.80.

*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 £19,000.00 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, deposit of £0, 48 monthly payments of £359.86, optional final payment £8,150 (inc. £10 option to purchase fee), total cost of credit is £6,423.28†, total amount of credit is £19,000.00, total amount payable is £25,423.28.

Representative Example is for AA PCP agreement for a Ford Focus 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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Understanding finance

Vehicle history check

For LV23WDO

Not recorded as stolen
No third-party trace
1 previous keeper show

There are PREVIOUS KEEPER CHANGES recorded against this vehicle. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.

Number Of Previous Keepers 1

Date Of Last Keeper Change 07/05/2024

No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 25/02/2026 at 05:13

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.

Vehicle Registration Mark (VRM)	Date
LV23 WDO	15/02/2024

Source	Date	Mileage
DVLA	09/01/2026	17,000
DVLA	16/02/2024	1,000