Motoring Today

Volkswagen Polo under £500 per month

5 used Volkswagen Polo listings from £169/mo under £500 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.

This Motoring Today page lists 4 Volkswagen Polos available for under £500 per month, as of 18 August 2026. This finance offer is based on a representative example with a 13% APR over 60 months on a Hire Purchase (HP) agreement, with no deposit required. Finance is subject to status. For this monthly budget, you can typically find a used Volkswagen Polo with payments starting from £169 per month, corresponding to cash prices ranging from £7,252 to £12,402. The Volkswagen Polo is a popular supermini known for its practicality and build quality, offering a reliable option for urban driving and beyond.

In stock
5

Live Volkswagen Polo listings

From / month
£169/mo

Cheapest representative quote

Monthly budget
£500

Under £500 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 £500 a month?
Our representative finance example for a Volkswagen Polo typically uses a £0 deposit over 60 months at 13% APR. A larger deposit will usually lower your monthly payments, but finance is always subject to status.
Does my credit score affect the monthly payment for a Volkswagen Polo?
Yes, the monthly payment and interest rate you are offered will depend on your individual credit history and an affordability assessment. The rates quoted are representative and may not be what you personally receive.
Should I choose HP or PCP for a Volkswagen Polo on this budget?
HP (Hire Purchase) means you own the car outright after the final payment, while PCP (Personal Contract Purchase) often offers lower monthly payments but involves a balloon payment if you wish to own the car at the end. Motoring Today's comprehensive PCP vs HP finance guide covers these options in full detail.