Great price
Volkswagen Polo
2016 Match Tsi Semi-auto
PetrolAutomatic63,304 mi2016
Band B · £20/yr
Finance available on request
£7,995
cash
Mountsorrel Car Sales·4.9 (38)· Loughborough
Volkswagen Polo representative finance example
A genuine Hire Purchase quote for a 2019 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
- £9,949.00
- Cash deposit
- £0.00
- Total amount of credit
- £9,949.00
- Total amount payable
- £13,611.00
- Representative APR
- 13.9%
- Total charge for credit
- £3,652.00
- Fixed rate of interest pa
- 7.34%
- Option to purchase fee
- £10.00
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 £7,995
Good price
Volkswagen Polo
2019 Se Tsi
PetrolManual50,500 mi2019
£200/yr
£227/mo
£9,949
cash
Cobalt Motors·4.5 (153)· Gosforth
Fair price
Volkswagen Polo
2021 Match Tsi Semi-auto
PetrolAutomatic73,145 mi2021
£200/yr
Finance available on request
£11,199
cash
AB Dealers·4.6 (235)· Feltham
Great price
Volkswagen Polo
2020 Se Tsi
PetrolManual21,943 mi2020
£200/yr
Finance available on request
£11,750
cash
SWS Car Sales Ltd·3.8 (125)· Cobham
Fair price
Volkswagen Polo
2023 R-line Tsi Semi-auto
PetrolAutomatic52,200 mi2023
£200/yr
Finance available on request
£15,203
cash
AB Dealers·4.6 (235)· Feltham
Fair price
Volkswagen Polo
2018 Gti+ Tsi Semi-auto
PetrolAutomatic45,943 mi2018
£200/yr
Finance available on request
£15,395
cash
Albar Autos·4.1 (22)· Loughborough
Above market
Volkswagen Polo
2020 Gti+ Tsi Semi-auto
PetrolAutomatic50,028 mi2020
£200/yr
£364/mo
£16,995
cash
Albar Autos·4.1 (22)· Loughborough
Frequently asked questions
- How much is a Volkswagen Polo on finance per month?
- Finance on a used Volkswagen Polo starts from around £227 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?
- A used Volkswagen Polo is available from £227 per month on finance. This representative example is based on an HP agreement over 60 months with a 13% APR and no deposit. Finance is subject to status.
- What deposit and APR do I need for a Volkswagen Polo?
- The representative finance example for a Volkswagen Polo shows a 0% deposit and 13% APR. Your personal APR and deposit amount will depend on your individual credit history and affordability assessment.
- HP vs PCP: Which is better for a used Volkswagen Polo?
- With Hire Purchase (HP), you own the Volkswagen Polo outright after all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but involves a balloon payment at the end if you wish to own the car, or you can return it or part-exchange it.
- Can I get finance on a used Volkswagen Polo with the price range shown?
- Yes, finance is available for a used Volkswagen Polo within the price range of £9,949 to £16,995, with monthly payments starting from £227 per month, subject to status.