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Used Lexus RX on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Lexus RX on finance

If you're considering acquiring a Lexus RX, and specifically if you're weighing up the idea of getting a used Lexus RX on finance in the UK, this guide is tailored for you:

  1. Research the Vehicle:

    • The Lexus RX is a luxury SUV celebrated for its refinement, cutting-edge tech, and dependability.
    • Familiarise yourself with different trim levels, powertrain options, and features offered across various model years.
    • When inspecting used models, research any common issues or specific wear and tear points associated with the RX.
  2. Searching for a Used Model:

    • Start with Lexus's official approved-used vehicle programme. Cars here are typically backed by a manufacturer's warranty and have undergone stringent inspections.
    • Expand your search to encompass online platforms, local dealerships, and car supermarkets to get a broad view of prices and available models.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Post deposit, you'll pay monthly instalments. At the term's end, you can either make the balloon payment to own the car, return it, or trade it in.
    • Hire Purchase (HP): After a deposit, you pay off the entire value of the car in monthly segments. Once all payments are complete, the car is yours.
    • Leasing: Lease the RX for a predetermined term and then return it at the end.
    • Personal Loan: Secure a loan, purchase the RX outright, and then pay back the loan in monthly instalments.
  4. Obtain and Compare Finance Quotes:

    • Get quotations from Lexus dealerships and third-party finance companies. Special offers might be available for those keen on a used Lexus RX on finance.
    • Study the APR (Annual Percentage Rate) to gauge the overall borrowing cost.
  5. Review Your Credit Score:

    • Your credit rating can influence the finance rates and terms you're offered.
    • Validate your score with major UK credit bureaus (Experian, Equifax, TransUnion) and ensure no inaccuracies.
  6. Budgeting:

    • Determine a monthly payment that fits comfortably within your finances.
    • A more substantial deposit often results in better monthly rates.
  7. Understanding the Agreement:

    • With PCP or leasing, be cognizant of any mileage restrictions and potential additional charges for exceeding these.
    • Get acquainted with any fees for terminating the agreement early or wear and tear guidelines.
  8. Negotiation:

    • Based on your research, negotiate both the vehicle's price and the finance terms. There's often wiggle room, especially if you're considering a used Lexus RX on finance.
    • Aim for a reduction in the total amount payable over the contract, not just the monthly fees.
  9. Finalise the Deal:

    • Once satisfied with the terms, complete the necessary documentation.
    • Always read and fully comprehend all terms before signing, and retain copies for your records.
  10. Insurance:

  • Ensure you have the proper vehicle insurance before driving. Comparing different providers can yield the best deal.
  1. End-of-Agreement Options:
  • For PCP: You can choose to make the final payment, return the car, or enter a new deal.
  • For HP: Ownership transitions to you after all payments.
  • If leasing, return the vehicle in the specified condition.
  1. Additional Costs:
  • Factor in other potential expenses such as road tax, servicing, maintenance, and possible repairs.

It's paramount to ensure your chosen finance option aligns with your current and foreseeable financial situation. If unsure, consulting with financial professionals or trusted individuals can be beneficial.

About the Lexus RX

Lexus, Toyota's luxury division, has long been synonymous with refinement and sophistication. The Lexus RX, with its striking design and unyielding comfort, showcases why Lexus has earned such a venerable reputation, especially amongst the UK's discerning motorists.

The Dawn of a Luxury SUV Era:

Introduced in 1998, the RX was a game-changer. It fused the high driving position and spaciousness of an SUV with the comfort and performance of a luxury saloon. This innovative blend effectively made the RX one of the pioneers in the luxury crossover SUV segment.

Evolution Through Generations:

Over its life span, the Lexus RX has seen multiple iterations, with each generation elevating standards in design, technology, and performance. Its aggressive spindle grille, sweeping lines, and sharp angles offer a modern yet timeless appearance that's unmistakably Lexus.

Peerless Interior Comfort:

Step inside, and the RX continues to impress. The cabin, a sanctuary of luxury, combines high-quality materials with ergonomic design. It’s an oasis of quiet, with advanced noise-cancellation techniques ensuring serene drives, whether on motorways or country lanes.

Leading in Hybrid Technology:

Lexus has been at the forefront of hybrid technology, and the RX has been a major player in this narrative. The RX 450h, a hybrid variant, offers a compelling mix of performance and efficiency, making it a preferred choice for UK drivers keen on reducing their carbon footprint without compromising on power.

Rivals in the Limelight:

The luxury SUV segment in the UK is crowded with contenders like the BMW X5, Audi Q7, and Mercedes-Benz GLE. Each has its strengths, but the Lexus RX, with its unique blend of Japanese craftsmanship and innovative technology, carves a niche for itself.

Embodying Elegance & Innovation:

The Lexus RX is more than just an SUV; it's a statement of style, innovation, and uncompromised luxury. For those in the UK who seek a vehicle that stands at the intersection of performance, luxury, and ecological consciousness, the RX emerges as a top contender. And with the added advantage of customised finance options, it's clear that Lexus is not just selling a vehicle; they're offering an experience.

Buying Guide

Want to find out everything about all RX models, pros and cons, what to look out for and everything else you need to know? Check out our Lexus RX buying guide here.

Lexus RX Data by County

Lexus RX data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All487£28,826752,445743
Aberdeen City5£50,599211,5021
Antrim4£37,795424,45410
Ards1£12,4501386,000-
Barking & Dagenham - Greater London2£17,0361072,454-
Bedfordshire14£12,5171387,21424
Belfast2£22,220865,125-
Berkshire7£22,5841044,3168
Bexley - Greater London1£39,490319,638-
Brent - Greater London2£12,1111194,8721
Bristol20£38,421429,62321
Bromley - Greater London1£29,745430,8011
Buckinghamshire23£29,631854,40827
Cambridgeshire14£39,305541,91213
Cheshire16£41,603424,41125
City of Edinburgh1£26,200640,2901
City of London - Greater London1£6,99516105,5538
County Durham3£42,583335,14610
Cumbria6£54,42617,4273
Derbyshire6£25,383949,18619
Derry1£19,995889,109-
Devon7£38,171429,4269
Dorset6£37,253634,6347
Dumfries and Galloway1£24,998743,227-
Dundee City5£44,138317,7625
Ealing - Greater London3£10,49512139,6677
East Lothian1£20,498860,337-
East Sussex1£12,9951464,7062
Essex18£17,5461186,72737
Glasgow City9£35,621533,99712
Gloucestershire11£57,140213,12517
Greater Manchester22£29,905750,93629
Hampshire23£31,587748,88339
Harrow - Greater London2£14,9951091,7137
Havering - Greater London6£12,4131478,1902
Hertfordshire16£34,734637,49532
Hillingdon - Greater London2£6,68416133,1817
Hounslow - Greater London3£6,83316172,293-
Kent10£41,872426,7279
Kingston upon Thames - Greater London1£19,000970,0003
Lancashire8£25,018946,74210
Leicestershire10£40,823431,03029
Lincolnshire6£50,055216,94116
Lisburn1£14,9801181,021-
Merseyside8£46,573319,43417
Merton - Greater London2£8,72315136,5001
Norfolk11£33,332635,5744
North Yorkshire1£16,9951085,8711
Northamptonshire1£36,900417,2628
Northumberland1-422,532-
Nottinghamshire7£31,934639,13412
Oxfordshire1£18,5151047,7581
Redbridge - Greater London4£13,3051281,9268
Richmond upon Thames - Greater London8£45,275212,67614
Shropshire1£17,9101062,2291
South Yorkshire3£15,9141180,2638
Staffordshire11£37,367430,57718
Stirling1£26,500655,237-
Suffolk11£46,923215,53214
Surrey25£17,7521296,70139
Tyne and Wear11£45,999312,58813
West Midlands35£47,561320,92757
West Sussex3£40,079327,4069
West Yorkshire14£34,509641,96219
Wiltshire22£46,572318,30044
Worcestershire4£36,222526,3494
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