Good price
Volvo XC40
2018 First Edition D4 Awd Auto
DieselAutomatic46,773 mi2018
£200/yr
£405/mo
£18,495
cash
SWS Car Sales Ltd·3.8 (121)· Cobham
Volvo Xc40 representative finance example
A genuine Hire Purchase quote for a 2018 Volvo Xc40 currently in stock. Individual deals vary with price, deposit, term and your circumstances.
- Finance type
- HP
- Monthly payments
- £405
- Term
- 60 months
- Contract length
- 60 months
- Cash price
- £18,495.00
- Cash deposit
- £0.00
- Total amount of credit
- £18,495.00
- Total amount payable
- £24,293.00
- Representative APR
- 11.9%
- Total charge for credit
- £5,797.00
- Fixed rate of interest pa
- 6.27%
- Option to purchase fee
- £1.00
The legal bit
SWS Car Sales Ltd is a credit broker and not a lender. They are on the FCA’s Financial Services Register (firm reference number 1006067).
Dealers can introduce you to a limited number of preferred lenders and/or brokers. No advice or recommendation is made — you must decide whether the finance is right for you.
Finance is subject to status (income, employment and creditworthiness) and approval. Available to permanent UK residents aged 18 and over. Terms and conditions apply.
How Volvo Xc40 finance works
PCP (Personal Contract Purchase)
Lower monthly payments because a large "optional final payment" is deferred to the end. At the end you choose to pay it and keep the Xc40, hand it back, or part-exchange. Mileage limits apply.
How PCP works →HP (Hire Purchase)
The whole price (minus deposit) is spread over the term. Payments are usually higher than PCP, but you own the Xc40 outright at the end and there are no mileage limits.
How HP works → Soft search
See what you could be offered on a Volvo Xc40
Check your eligibility for Volvo Xc40 finance in about 60 seconds. It's a soft search, so it leaves no footprint on your credit file and you're under no obligation to go ahead.
Check my eligibilityVolvo Xc40 in stock now — from £18,495
Volvo XC40
2020 T3 R-design
PetrolAutomatic40,500 mi2020
£200/yr
Finance available on request
£18,995
cash
NG9 Motors·4.5 (88)· Nottingham
Fair price
Volvo XC40
2023 B3 Mhev Auto
PetrolAutomatic35,098 mi2023
£200/yr
£536/mo
£23,995
cash
Car-pod Ltd·4.9 (169)· North Baddesley
Frequently asked questions
- How much is a Volvo Xc40 on finance per month?
- Finance on a used Volvo Xc40 starts from around £405 a month, depending on the price, your deposit and the term. See the representative example on this page for a worked Volvo Xc40 deal with the full APR and totals.
- Can I get a Volvo Xc40 on PCP?
- Yes. Personal Contract Purchase (PCP) is available on most used Volvo Xc40 listings through our approved dealers. PCP keeps monthly payments lower by deferring a large "optional final payment" to the end; you then choose to pay it and keep the car, hand the car back, or part-exchange. Finance is subject to status and approval.
- PCP or HP on a Volvo Xc40 — which is better?
- Hire Purchase (HP) spreads the whole price (minus deposit) over the term, so you own the Xc40 outright at the end and monthly payments are usually higher. PCP defers part of the value to a final balloon payment, so monthlies are lower but you don't automatically own the car. HP suits high-mileage drivers who want to keep the car; PCP suits lower monthly budgets and shorter ownership. Our PCP-vs-HP guide explains the trade-offs.
- Can I get Volvo Xc40 finance with bad credit?
- Possibly. Some of our approved dealers work with lenders that consider applicants with a poor or limited credit history, though the APR is typically higher and approval is never guaranteed. Finance is always subject to status, income and creditworthiness. See our bad-credit car finance guide before applying.
- How much deposit do I need for a Volvo Xc40?
- There's no fixed minimum — many Volvo Xc40 agreements are available with a small or even zero deposit, subject to status. A larger deposit lowers the amount you borrow and your monthly payments. The representative example on this page shows the deposit used for that specific quote.
- How much is a used Volvo Xc40 per month on finance?
- A used Volvo Xc40 could be available from £405 per month. This representative example is based on a £0 deposit, 13% APR, and a 60-month Hire Purchase agreement, and finance is subject to status.
- What deposit and APR do I need for a used Volvo Xc40?
- The representative finance example for a used Volvo Xc40 uses a 13% APR and a £0 deposit. Your personal APR and deposit may vary based on your credit history and affordability assessment.
- What is the difference between HP and PCP for a Volvo Xc40?
- With Hire Purchase (HP), you own the Volvo Xc40 outright once all payments are made. Personal Contract Purchase (PCP) typically offers lower monthly payments but involves a final 'balloon payment' if you wish to own the car at the end of the term, otherwise you can return it or part-exchange it.
- Can I get finance on a used Volvo Xc40 with the price range shown?
- Yes, finance is available on used Volvo Xc40 models within the price range of £18,495 to £23,995. You can typically find options starting from £405 per month, based on representative finance examples.