Motoring Today

Volkswagen Golf under £400 per month

9 used Volkswagen Golf listings from £178/mo under £400 a month, with real broker quotes. Tap any "£X /mo" to see that dealer's full representative example. Finance is subject to status; terms and conditions apply.

There are currently 17 Volkswagen Golf models available on Motoring Today for under £400 per month, updated on 18 September 2026. This finance offer assumes a typical 0% deposit over 60 months at a 13% APR, arranged as a Hire Purchase (HP) agreement. Finance is, of course, subject to status. Within this budget, you will find Volkswagen Golfs starting from just £151 per month, with cash prices ranging from £5,695 to £14,490. This price range typically includes various generations and specifications of the Golf, known for its practicality, solid build quality, and widespread availability of parts and servicing. HP finance allows you to own the car outright once all payments are made.

In stock
9

Live Volkswagen Golf listings

From / month
£178/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Volkswagen Golf
Great price

Volkswagen Golf

2018 Se Navigation Tsi Bluemotion Technology

PetrolManual100,413 mi2018
£200/yr
£178/mo
£7,795
cash

RMB & Son Motors·4.6 (25)· Ross-On-Wye

Volkswagen Golf
Good price

Volkswagen Golf

2018 S Tsi Bluemotion Technology

PetrolManual62,738 mi2018
£200/yr
£216/mo
£9,090
cash

AB Dealers·4.6 (235)· Feltham

Volkswagen Golf
Above market

Volkswagen Golf

2013 Se Bluemotion Technology Tsi Semi-auto

PetrolAutomatic48,000 mi2013
Band C · £35/yr
£251/mo
£9,495
cash

Protheroes·4.4 (74)· Market Harborough

Volkswagen Golf
Fair price

Volkswagen Golf

2018 Gte Advance Semi-auto

Petrol Electric HybridAutomatic83,233 mi2018
£200/yrHome delivery
£252/mo
£11,299
cash

Anycolour Car·4.9 (150)· Barnsley

Volkswagen Golf
Fair price

Volkswagen Golf

2020 Gte Semi-auto

Petrol Electric HybridAutomatic80,130 mi2020
£200/yr
£268/mo
£11,990
cash

Ezy Access·4.5 (248)· South Ruislip

Volkswagen Golf
Good price

Volkswagen Golf

2019 R-line Tsi Evo Semi-auto

PetrolAutomatic83,786 mi2019
£200/yr
£268/mo
£11,900
cash

AB Dealers·4.6 (235)· Feltham

Volkswagen Golf
Above market

Volkswagen Golf

2022 Life Tsi

PetrolManual46,000 mi2022
£200/yr
£283/mo
£14,490
cash

Protheroes·4.4 (74)· Market Harborough

Volkswagen Golf
Above market

Volkswagen Golf

2013 Gt Tsi Act Bluemotion Technology Dsg

PetrolAutomatic45,000 mi2013
Band C · £35/yr
£312/mo
£11,795
cash

Protheroes·4.4 (74)· Market Harborough

Volkswagen Golf
Fair price

Volkswagen Golf

2024 R-line Tdi Semi-auto

DieselAutomatic36,010 mi2024
£200/yrHome delivery
£472/mo
£21,999
cash

Anycolour Car·4.9 (150)· Barnsley

Frequently asked questions

What deposit is typically needed to get a Volkswagen Golf for under £400 a month?
A representative finance example for a Volkswagen Golf suggests a deposit of £0 over 60 months with a 13% APR. A larger initial deposit can significantly reduce your monthly payments. Finance is subject to status and affordability checks.
Does my credit score affect the monthly payment for a Volkswagen Golf?
Yes, it does. The finance rates quoted are representative examples. The actual APR you are offered for a Volkswagen Golf depends on your personal credit history and the lender's affordability assessment.
Should I choose HP or PCP to finance a Volkswagen Golf under this budget?
HP means you own the car at the end of the agreement after all payments are made, whereas PCP offers lower monthly payments by deferring a lump sum to the end. Motoring Today's comprehensive PCP vs HP finance guide covers the differences in full.