Motoring Today

Volkswagen Polo under £20,000

5 used Volkswagen Polo for sale from £7,252 — every car priced under £20,000. Compare ULEZ, mileage and finance side by side.

There are currently 6 Volkswagen Polo models available under £20,000 as of 6 September 2026. This selection includes models from the 2017 to 2019 model years. The most affordable cash price for a Volkswagen Polo in this budget is £7,252. For those considering finance, a representative example shows monthly payments starting from £169, based on a 60-month Hire Purchase agreement with no deposit and an APR of 13%. Please note that all finance options are subject to status. Within this price bracket, you can expect to find late-model, fifth or sixth-generation Polos, known for their compact size, efficient engines, and strong reliability.

Available now
5
under £20,000
Cheapest
£7,252
In budget
Volkswagen Polo
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
Fair price

Volkswagen Polo

2017 Match Edition Tsi

PetrolManual57,676 mi2017
£200/yr
£190/mo
£8,399
cash

AB Dealers·4.6 (196)· Feltham

Volkswagen Polo

Volkswagen Polo

2018 Se Tsi

PetrolManual58,984 mi2018
£200/yr
£214/mo
£9,190
cash

Ezy Access·4.5 (207)· South Ruislip

Volkswagen Polo
Good price

Volkswagen Polo

2018 Se Tsi

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

Cobalt Motors·4.5 (149)· Gosforth

Volkswagen Polo
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

What Volkswagen Polo models can I find for under £20,000?
Motoring Today currently lists 5 Volkswagen Polo models under £20,000. Prices start from £7,252, and the available models range from a 2015 to a 2019 registration year.
Can I finance a Volkswagen Polo at this price point?
Yes, finance is typically available for Volkswagen Polo models at this price point. For example, a representative Hire Purchase finance example could be £169 per month over 60 months with a 0% deposit at 13% APR. Finance is subject to status.
What should I check when buying a Volkswagen Polo for under £20,000?
Always review the full MOT history and any advisories, which Motoring Today shows on every listing, to gauge previous maintenance and potential issues. Ensure there's a comprehensive service history and check if the mileage aligns reasonably with the car's age, as very high or low mileage can sometimes indicate future concerns.