How much is a Volkswagen Golf on finance per month?

Finance on a used Volkswagen Golf starts from around £194 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Volkswagen Golf deal with the full APR and totals.

Can I get a Volkswagen Golf on PCP?

Yes. Personal Contract Purchase (PCP) is available on most used Volkswagen Golf 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 Volkswagen Golf — which is better?

Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Golf 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 Volkswagen Golf 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 Volkswagen Golf?

There's no fixed minimum — many Volkswagen Golf 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 Volkswagen Golf per month on finance?

A used Volkswagen Golf can be financed from £182 per month. This representative example assumes a £0 deposit over 60 months on a Hire Purchase agreement with a 13% APR. Finance is subject to status.

What deposit and APR do I need for a used Volkswagen Golf?

Our representative finance example for a used Volkswagen Golf uses a £0 deposit and 13% APR. However, the personal APR and deposit required will depend on your credit history and affordability assessment.

Should I choose HP or PCP for a used Volkswagen Golf?

Hire Purchase (HP) means you own the Volkswagen Golf outright once all payments are made. Personal Contract Purchase (PCP) offers lower monthly payments by deferring a significant portion of the cost to an optional final 'balloon' payment, giving you the choice to buy, return, or part-exchange at the end of the term.

Can I get finance on a used Volkswagen Golf with the price range shown?

Yes, you can get finance on a used Volkswagen Golf within the price range shown, from £7,990. We offer finance options starting from £182 per month for eligible buyers.

Volkswagen Golf finance from £194/mo

Volkswagen Golf representative finance example

A genuine Hire Purchase quote for a 2016 Volkswagen Golf currently in stock. Individual deals vary with price, deposit, term and your circumstances.

Finance type: HP
Monthly payments: £274
Term: 60 months
Contract length: 60 months
Cash price: £12,016.00
Cash deposit: £0.00
Total amount of credit: £12,016.00
Total amount payable: £16,436.00
Representative APR: 13.9%
Total charge for credit: £4,419.00
Fixed rate of interest pa: 7.36%
Option to purchase fee: £1.00

The legal bit

AB Dealers Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 945576).

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 Volkswagen Golf 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 Golf, 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 Golf outright at the end and there are no mileage limits.

How HP works →

Soft search

See what you could be offered on a Volkswagen Golf

Check your eligibility for Volkswagen Golf 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.

Volkswagen Golf representative finance example

The legal bit

How Volkswagen Golf finance works

PCP (Personal Contract Purchase)

HP (Hire Purchase)

See what you could be offered on a Volkswagen Golf

Volkswagen Golf in stock now — from £7,990

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Volkswagen Golf

Frequently asked questions

More Volkswagen Golf resources