Motoring Today

Volkswagen T-Roc under £500 per month

3 used Volkswagen T-Roc listings from £244/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.

For £500 per month or less, you can currently find 3 Volkswagen T-Roc models available, updated on 9 August 2026. The cheapest monthly payment for a T-Roc in this range is £244. This budget typically secures a T-Roc with a cash price between £10,495 and £21,990. The representative finance example for these vehicles is based on a Hire Purchase (HP) agreement with 0% deposit, a 60-month term, and a 13% APR. Finance is subject to status, and full details for each car are provided by the dealer.

In stock
3

Live Volkswagen T-Roc listings

From / month
£244/mo

Cheapest representative quote

Monthly budget
£500

Under £500 a month

Volkswagen T-Roc
Fair price

Volkswagen T-Roc

2018 Se Tsi

PetrolManual73,141 mi2018
£200/yr
£244/mo
£10,495
cash

Durnford Motors·4.5 (179)· Southampton

Volkswagen T-Roc
Fair price

Volkswagen T-Roc

2019 S Tsi

PetrolManual47,955 mi2019
£200/yr
£262/mo
£11,595
cash

Durnford Motors·4.5 (179)· Southampton

Volkswagen T-Roc
Fair price

Volkswagen T-Roc

2020 R-line Tdi Semi-auto

DieselSemi Auto29,129 mi2020
ULEZ ✓£200/yr
£417/mo
£19,250
cash

JTW Motors·5.0 (68)· Stone

Frequently asked questions

What deposit is needed to get a Volkswagen T-Roc for under £500 a month?
A representative example for a Volkswagen T-Roc would be an HP agreement with a 13% APR over 60 months, with a deposit of £0. To achieve a monthly payment under £500, a larger deposit would likely be needed. Finance is subject to status.
Does my credit score affect the monthly payment for a Volkswagen T-Roc?
Yes, the monthly payment for a Volkswagen T-Roc can be affected by your credit score. The quoted representative rates are an example, and the personal APR offered to you will depend on your individual credit history and an affordability check.
Should I choose HP or PCP for a Volkswagen T-Roc under £500 a month?
With HP, you own the Volkswagen T-Roc outright after the final payment, whereas PCP involves a balloon payment if you wish to own the car at the end of the term. Motoring Today's comprehensive PCP vs HP finance guide covers the full details to help you decide.