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Tesla Finance Made Simple

At Charles & Dean, we arrange Tesla finance for new and used electric cars across the range. From the Model 3 and Model Y to higher-performance and premium models, we help you explore funding options based on your chosen vehicle, budget and ownership plans.

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You Could Save Over £5,000 Compared to Dealership Finance*

Rates from 8.9% APR. Representative 9.4% APR

Specialist Solutions for Tesla

Tesla combines electric performance with technology designed for everyday driving. Whether you're considering a saloon, SUV or performance model, we offer a range of finance options to suit the vehicle and your circumstances.

HP Finance

A straightforward and secure path to owning your dream Tesla.

Spread the full cost of the car evenly over your term

Guarantee ownership of the vehicle once the final payment clears

Set a flexible initial deposit to suit your budget needs

HP Finance

PCP Finance

Drive a newer Tesla with lower deposits and flexible payments.

Enjoy lower monthly payments for better cash flow

Choose to buy, return, or trade the car in at the end of the term

Set a custom mileage limit that fits your driving needs

PCP Finance

Lease Purchase

A practical route to Tesla ownership that maximises cash flow.

Benefit from lower monthly payments until the end of the term

Commit to a mandatory balloon payment at the end of the agreement

Designed for buyers intending to own the vehicle at the end of the term

Lease Purchase

Managing EV Depreciation

Choosing the right finance agreement is vital when buying an electric vehicle because rapid technological advancements can make their market values volatile. Personal Contract Purchase (PCP) is a strong option as it defers part of the car's cost to an optional final payment, keeping monthly repayments manageable and setting a Guaranteed Minimum Future Value (GMFV) from the start.

At the end of a PCP agreement, you can pay the final amount to own the car, use any equity towards a new vehicle, or simply return it. This hand-back option is particularly valuable in a fluctuating EV market, as it protects you from unexpected depreciation if the car's value drops below the GMFV. Our Finance Specialists are available to help you navigate and compare these options before deciding.

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Popular Models We Can Finance

Tesla Model 3

Tesla Model Y

Tesla Model S

Tesla Model X

The Tesla Model 3

The Tesla Model 3 combines all-electric performance with a practical saloon design and technology-led interior. Available in different specifications, including Long Range and Performance versions, it offers options for drivers prioritising range, acceleration or everyday usability.

If you're considering Tesla Model 3 finance, we can explore options for eligible new and used vehicles based on the specification, deposit and preferred monthly budget.

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The Tesla Model Y

The Tesla Model Y brings Tesla's electric powertrain and technology into a practical SUV format. Its spacious cabin, flexible luggage capacity and range of specifications make it a popular option for families and drivers who need everyday versatility.

Whether you're considering a new or used Model Y, our team can explore finance options based on the vehicle's age, specification, value and your budget.

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The Tesla Model S

The Tesla Model S helped establish the brand in the premium electric car market, combining long-distance capability with strong performance and a spacious interior. Versions range from Long Range models to the high-performance Plaid, offering different approaches to electric driving.

For those considering Tesla Model S finance, we can explore options for eligible vehicles, taking account of the model year, specification, value and your financial circumstances.

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The Tesla Model X

The Tesla Model X combines electric performance with the space and practicality of a large SUV. Its distinctive Falcon Wing rear doors, flexible seating and technology-focused cabin set it apart from more conventional family vehicles.

If you're looking into used Tesla Model X finance, we can discuss available funding structures based on the vehicle's age, mileage, specification and value.

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Our Funding Process

1

What Do You Want to Finance

Tell us about the Tesla you've found and any specific finance requirements.
2

Receive a Solution

Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.
3

Get Your Funding

Once your finance is approved, we work with you, the lender, and the dealership to ensure you can get your car as soon as possible.

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Why Use Charles & Dean?

Why should you choose us to help with Tesla Finance?

Electric Vehicle Knowledge

We understand that vehicle values, model updates and changing market demand can affect electric car finance. Our team can explain how these factors may influence your available options.

Broad Lender Panel

We work with a broad panel of lenders to explore Tesla finance options, helping you compare available agreements based on the vehicle and your circumstances.

Finance to Suit Your Plans

We understand that vehicle values, model updates and changing market demand can affect electric car finance. Our team can explain how these factors may influence your available options.

What To Do Next

Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836

Read Our FAQs

Still have questions about Tesla Finance? We may have the answer within our FAQs.

Go to FAQs

Our FAQs

Common questions about Tesla Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

Why is Tesla such a popular choice?

Tesla has become a recognised name in electric motoring through its combination of performance, software-led technology and everyday practicality. Features such as over-the-air updates and access to Tesla's Supercharger network have helped establish its position in the market.

With models ranging from the Model 3 saloon to the Model Y SUV and higher-performance variants, there are options for different driving needs. At Charles & Dean, we can explore finance options for eligible vehicles across the range.

Which Tesla models can Charles & Dean finance?

We can explore finance for a range of Tesla models, including the Model 3, Model Y, Model S and Model X, subject to vehicle eligibility and lender criteria. Availability will depend on factors such as the model year, specification, value and your circumstances.

Whether you're looking for an everyday electric car or a higher-performance model, our Finance Specialists can discuss potential funding options for your chosen vehicle.

How does Tesla depreciation affect finance?

A Tesla's future market value can influence the finance options available, with factors such as model, age, mileage, specification and market demand all potentially affecting its valuation.

With PCP, the agreed GMFV sets the optional final payment at the outset. If you return the vehicle at the end of the agreement, you won't usually need to pay that final amount, provided you meet the agreement's return conditions. Excess mileage, damage or other charges may still apply, so it's important to check the terms carefully.

Can you finance older Tesla models?

Potentially. Finance may be available for older and used Tesla models, depending on the vehicle and lender criteria. The options offered will depend on factors including the car's age, mileage, value, condition and your financial circumstances.

We can assess the details of the vehicle you're considering and explore whether suitable funding options are available through our lender panel.

Can I refinance a Tesla I already own?

Potentially. If you already have a Tesla on finance, refinancing may allow you to replace your existing agreement with a new one, subject to lender approval and the terms of your current finance.

If you own your Tesla outright, equity release may also be an option, depending on the vehicle's value and lender criteria. Our team can discuss your circumstances and explain the potential costs and implications before you decide.

*Based on ten recent vehicle purchases with C&D’s clients who obtained an interest rate of between 8.9% APR and 9.9% APR (giving an average of 9.24%), versus motor dealer rates ranging from 9.9% APR and 13.4% APR (giving an average motor dealer rate of 11.1% APR). Customers saved a minimum of £1,495 and a maximum of £5,382, based on our average client balance to finance amount of £54,078. Transactions were based on a 4-year PCP with a 40.31% balloon (final payment) and vehicles that were up to 5 years old. Individual savings will vary depending on factors including vehicle make and model, vehicle age, individual credit profile and eligibility criteria We are an authorised credit broker and not a lender. Credit subject to status, 18+, T&C's apply.

Tesla Finance Made Simple

Specialist Solutions for Tesla

HP Finance

PCP Finance

Lease Purchase

Managing EV Depreciation

Popular Models We Can Finance

The Tesla Model 3

The Tesla Model Y

The Tesla Model S

The Tesla Model X

Our Featured Guides

PCP Car Finance: UK Product Guide for 2026

Dealership Finance vs Car Finance Broker

Why Use a Car Finance Broker in 2026: Access...

Our Funding Process

What Do You Want to Finance

Receive a Solution

Get Your Funding

Why Use Charles & Dean?

Electric Vehicle Knowledge

Broad Lender Panel

Finance to Suit Your Plans

What To Do Next

Get a Quote

Call Us Now

Read Our FAQs

Our FAQs

Why is Tesla such a popular choice?

Which Tesla models can Charles & Dean finance?

How does Tesla depreciation affect finance?

Can you finance older Tesla models?

Can I refinance a Tesla I already own?