Good price
Volkswagen Polo
2018 Se Tsi
PetrolManual98,848 mi2018
£200/yr
£169/mo
£7,252
cash
Cobalt Motors·4.5 (149)· Gosforth
Volkswagen Polo representative finance example
A genuine Hire Purchase quote for a 2018 Volkswagen Polo currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £227
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £9,780.00
- Cash deposit
- £0.00
- Total amount of credit
- £9,780.00
- Total amount payable
- £13,645.00
- Representative APR
- 14.9%
- Total charge for credit
- £3,864.00
- Fixed rate of interest pa
- 7.90%
- Option to purchase fee
- £1.00
The legal bit
Cobalt Motors Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 931275).
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 Polo 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 Polo, 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 Polo outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Volkswagen Polo
Check your eligibility for Volkswagen Polo 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.
Check my eligibilityVolkswagen Polo in stock now — from £7,252
Fair price
Volkswagen Polo
2017 Match Edition Tsi
PetrolManual57,676 mi2017
£200/yr
Finance available on request
£8,399
cash
AB Dealers·4.6 (196)· Feltham
Volkswagen Polo
2018 Se Tsi
PetrolManual58,984 mi2018
£200/yr
£214/mo
£9,190
cash
Ezy Access·4.5 (207)· South Ruislip
Good price
Volkswagen Polo
2018 Se Tsi
PetrolManual48,888 mi2018
£200/yr
£227/mo
£9,780
cash
Cobalt Motors·4.5 (149)· Gosforth
Good price
Volkswagen Polo
2019 Se Tsi
PetrolManual50,500 mi2019
£200/yr
£227/mo
£9,949
cash
Cobalt Motors·4.5 (149)· Gosforth
Frequently asked questions
- How much is a Volkswagen Polo on finance per month?
- Finance on a used Volkswagen Polo starts from around £169 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Volkswagen Polo deal with the full APR and totals.
- Can I get a Volkswagen Polo on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Volkswagen Polo 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 Polo — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Polo 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 Polo 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 Polo?
- There's no fixed minimum — many Volkswagen Polo 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 Polo per month on finance?
- Based on a representative example, a used Volkswagen Polo could cost from £169 per month on Hire Purchase over 60 months with a deposit of £0, at 13% APR. Finance is subject to status.
- What deposit and APR do I need for a used Volkswagen Polo?
- The representative example for a used Volkswagen Polo is based on a £0 deposit and 13% APR. Your personal rate and required deposit will depend on your individual credit history and affordability.
- What is the difference between HP and PCP finance for a used Volkswagen Polo?
- Hire Purchase (HP) means you own the Volkswagen Polo outright after all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments as you don't own the car at the end of the term, with options to return it, pay a final balloon payment to buy it, or part-exchange it.