How much does this Volvo XC40 cost?

This 2020 Volvo XC40 Momentum D3 Auto is listed at £16,999, or from £380 per month on a representative finance quote.

Can I finance this car?

Yes. Representative finance starts from £380 per month. Apply for a soft-search quote in under two minutes — it won't affect your credit score, and you can compare lender offers before deciding.

How many miles has it covered?

79,450 miles, registered in 2020. Each listing on Motoring Today shows the full MOT and mileage history so you can spot anomalies before you commit.

What are the key specs?

It's a diesel, automatic, suv in black, with CO₂ emissions of 131 g/km.

What's the boot space like in the XC40, is it practical for a family?

The 2020 XC40 offers 460 litres of boot space, which expands when the rear seats are folded down. This is generally considered good for a compact SUV and is practical for everyday family use and shopping. It can comfortably handle a pushchair or several suitcases.

What are the typical running costs for a D3 Diesel XC40, especially for road tax?

For a 2020 D3 Diesel XC40, you can expect an official combined MPG figure around 45-50 MPG, though real-world driving may vary. With CO2 emissions of 131g/km, the annual Vehicle Excise Duty (road tax) for this model year is currently £180. Insurance groups typically fall within the low to mid-20s, which is average for this class of SUV.

Are there any common issues to look out for on a used 2020 Volvo XC40 D3?

The XC40 generally has a good reliability record. On a test drive, pay attention to the infotainment system's responsiveness and ensure all electrical features, like the automatic tailgate, function correctly. Check the condition of the alloy wheels for kerbing, as they can be prone to damage on higher trim levels.

2020 Volvo XC40 Momentum D3 Auto — £16,999

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2020 · SUV · 79,450 mi

Volvo XC40

Momentum D3 Auto

£16,999

MOT

5 months leftValid until 24 Mar 2027

Clean air zones

5 of 13 freeOxford ZEZ charges

Momentum D3 Auto

Pulling together what makes this car special…

Factory-fitted highlights

What makes this XC40 special

Why this XC40

AI summary

Available from a verified UK dealer

79,450 miMileage

2020 · 20 regRegistered Mar 2020

2.0L DieselEngine

AutomaticGearbox

SUV5 doors · 5 seats

Theo

Ask AI about this car

I've cross-referenced DVLA, MOT history and market pricing for this 2020 Volvo XC40.

Running costs

Excludes finance

Road tax

£200/yr

MOT

5 mo left

Current cover

Estimates for guidance only — not part of any finance quote. Fuel/energy at ~8,000 miles/yr (DESNZ prices, official combined economy adjusted for real-world driving). Road tax is the approximate standard 12-month VED rate (gov.uk/DVLA); cars listed over £40,000 when new may pay a supplement. Clean Air Zone based on fuel + Euro standard.

Car Honesty Report

Excludes finance

Road tax
£200/yr standard VED
MOT
5 months remaining

Verified signals fused from Motoring Today data · as of 23 Oct 2026. Guidance only — not a formal valuation, offer, or part of any finance quote.

The details

Full spec sheet · DVLA & MarketCheck verified

Identity

Reg: GN20PHO

Colour: Black

Condition: Used

Listed: 10 Oct 2026

Days on market: 173 days

Trim: Xc40 Momentum D3 Auto

Performance

Power: 147 bhp / 110 kW @ 3,750 rpm

Torque: 320 Nm / 236.2 lb-ft

0–60 mph: 9.8s

Top speed: 124 mph

Drivetrain: 4x2

Running costs

Combined MPG: 44.1 mpg

CO₂: 131 g/km

Euro status: Euro 6 (inferred from registration date)

Insurance group: 22E

Equipment

Climate control
Cruise control
DAB radio
Lane keep assist
Leather upholstery
Parking sensors
Sat nav

Factory extras

Working it out…

Reading the manufacturer build sheet — usually a couple of minutes.

MOT & history

DVSA verified

Clean air zones

1 charged

5 of 13 UK zones — free to drive

Only Oxford ZEZ charges — every other UK city is free.

Indicative — based on fuel type and Euro standard. Confirm with the zone operator.

Finance calculator

Soft check · no credit impact

Compare HP and PCP quotes side-by-side from real lenders.

Motoring Today is a trading style of Motor Genius Group Ltd (FRN 960504), an appointed representative of The Compliance Guys Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 941360). Motoring Today is a credit broker, not a lender.

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About the seller

Verified dealer

CG Motorland

4.5· 212 reviews Leicester

4.5★

buyer rating

212

verified reviews

Quick answers

What buyers ask about this car

The questions real people Google about this listing, answered straight.

This 2020 Volvo XC40 Momentum D3 Auto is listed at £16,999, or from £380 per month on a representative finance quote.
Yes. Representative finance starts from £380 per month. Apply for a soft-search quote in under two minutes — it won't affect your credit score, and you can compare lender offers before deciding.