Motoring Today

Volkswagen Polo under £400 per month

5 used Volkswagen Polo listings from £169/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.

Currently, there are 4 Volkswagen Polo models available on Motoring Today for under £400 per month, as of 19 August 2026. This finance offer is based on a representative example requiring no deposit, a 60-month term, and a 13% APR, utilising a Hire Purchase (HP) product type. Finance is subject to status. These available Polos start from a monthly payment of £169, with cash prices ranging from £7,252 to £12,402. This budget typically secures a well-regarded supermini known for its build quality and economical running costs. A popular choice for city driving and first-time buyers, the Polo offers a practical and reliable option within this monthly payment bracket.

In stock
5

Live Volkswagen Polo listings

From / month
£169/mo

Cheapest representative quote

Monthly budget
£400

Under £400 a month

Volkswagen Polo
Good price

Volkswagen Polo

2018 Se Tsi

PetrolManual98,848 mi2018
£200/yr
£169/mo
£7,252
cash

Cobalt Motors·4.5 (143)· West Allotment

Volkswagen Polo
Good price

Volkswagen Polo

2015 Se Tsi Semi-auto

PetrolAutomatic64,246 mi2015
Band B · £20/yr
£186/mo
£7,699
cash

AB Dealers·4.6 (196)· Feltham

Volkswagen Polo
Good price

Volkswagen Polo

2018 Se Tsi

PetrolManual48,888 mi2018
£200/yr
£227/mo
£9,780
cash

Cobalt Motors·4.5 (143)· West Allotment

Volkswagen Polo
Fair price

Volkswagen Polo

2019 Se Tsi

PetrolManual50,500 mi2019
£200/yr
£239/mo
£10,480
cash

Cobalt Motors·4.5 (143)· West Allotment

Volkswagen Polo
Fair price

Volkswagen Polo

2017 R-line Tsi Semi-auto

PetrolAutomatic38,110 mi2017
Band B · £20/yr
£280/mo
£12,402
cash

AB Dealers·4.6 (196)· Feltham

Frequently asked questions

What deposit is needed to get a Volkswagen Polo under £400 a month?
Based on a representative example of 13% APR over 60 months with a £0 deposit, your monthly payments could be higher than £400. A larger deposit typically lowers your monthly payments. Finance is subject to status.
Does my credit score affect the monthly payment for a Volkswagen Polo?
Yes, it does. The finance rates quoted are representative examples, and the specific Annual Percentage Rate (APR) you are offered will depend on your individual credit history and affordability checks.
Should I choose HP or PCP for a Volkswagen Polo within this budget?
Hire Purchase (HP) means you own the car at the end of the agreement after all payments are made, while Personal Contract Purchase (PCP) involves lower monthly payments but typically requires a final 'balloon' payment if you wish to own the car. Motoring Today's comprehensive PCP vs HP finance guide covers the differences in full.