Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying a Used Volvo on Finance
Buying a used Volvo on finance is a smart way to get a safe, well built car without paying the full price upfront. Known for comfort, safety, and longevity, Volvos are popular among families and drivers looking for a more premium experience. Whether you need a compact SUV, estate car or saloon, Volvo offers a strong range of options. Many models are also available as plug-in hybrids, making them ideal for drivers who want to cut running costs.
Yes, Volvo is a strong choice if you’re buying a second-hand car. Volvos are well known for their build quality and long lasting engines. Most models still run after 150,000 miles or more, as long as they’ve been properly serviced.
Safety is one of Volvo’s biggest strengths. Even older models come with features like multiple airbags, strong crash protection, and driver-assist systems that offer peace of mind for families.. Volvos also tend to have comfortable interiors, good soundproofing, and quality materials, making them ideal for long drives or commuting.
Many used Volvos come with modern tech features like parking sensors, touchscreen infotainment, and digital dashboards, even in entry level trims. While some models can be more expensive to maintain than basic brands, they often make up for it in durability, comfort, and overall value. If you’re looking for a reliable second-hand car that feels solid and offers a smooth, safe drive, a used Volvo is worth serious consideration.
Volvo and Audi are both well respected brands, but they offer different things depending on what you’re looking for in a car. Volvo is known for putting safety and comfort first. Their cars are built with families in mind, offering spacious interiors, supportive seats, and top safety features.
Many Volvo models, like the XC40 or V60, come with high safety ratings and practical extras such as large boots, clever storage, and mild-hybrid or electric options. If you want a car that’s relaxing to drive, easy to live with, and offers good long term reliability, Volvo is a great choice.
Audi, on the other hand, leans more toward sporty styling, luxury interiors, and high performance. Their cars often come with sharper handling, premium materials, and advanced infotainment systems. If badge appeal, driving experience, and high end finishes are important to you, Audi may feel like a better fit.
In short, choose Volvo if you want comfort, safety, and a family friendly car. Choose Audi if you value sporty performance, modern tech, and a more luxurious feel behind the wheel. Both brands are strong, but your decision should come down to which one better fits your lifestyle and driving preferences.
Volvo cars are known for being safe, well-built, and comfortable, but like all car brands, they can have their share of issues. If you’re thinking of buying a used Volvo, it’s helpful to know what to look out for.
One issue some owners report is with automatic gearboxes, especially in models like the XC90. Drivers have noticed jerky gear changes or even complete transmission failure. These problems usually show up over time, especially if the car hasn’t been serviced regularly. Keeping up with maintenance and getting the gearbox checked can help avoid more serious damage. Another problem is water getting into the fuse box. On some older models like the Volvo 240, water can leak under the dashboard and reach the fuses, causing electrical faults. This could affect things like the lights, dashboard controls, or even cause a short circuit. A yearly check by a mechanic can help catch this early.
Power steering fluid leaks are also something to watch for. This can happen if the hose that carries the fluid gets worn or damaged. It’s usually a simple fix, but ignoring it can make the steering feel heavy or slow to respond. Regular checks can help avoid this. Some drivers have raised concerns about the XC60, with issues such as the engine overheating, poor fuel economy, and sudden power loss. Most of these faults are linked to specific model years and can often be sorted quickly with the right repair.
While these problems sound serious, they’re not common across all models and many are easy to fix. Regular servicing and early repairs go a long way in keeping a Volvo running well. If you're buying a car second-hand, it's worth checking the service history and asking about any past issues before you commit.
Volvos generally hold their value well, especially popular models like the XC40 and XC60. While they might lose value a bit quicker than some German brands, they often cost less to buy used and still offer great features and comfort. A Volvo with a full service history and in good condition will be more appealing when it's time to sell or trade in.
As for mileage, Volvos are built to last. It’s not uncommon to see them with over 150,000 miles and some can go beyond 200,000 miles if looked after properly. Regular servicing and quick repairs when something goes wrong are key, especially with diesel models which are known for long life when well maintained. So, if you're buying a used Volvo that’s been cared for, high mileage doesn’t always mean high risk.
The Volvo XC60 and V70 are often seen as two of the most reliable choices. The XC60 is a popular mid-size SUV that’s well built, comfortable, and packed with safety features. It's ideal for families and long drives, and newer versions have improved even more in terms of technology and efficiency.
The V70, a spacious estate, is known for its long-lasting engines and practicality. It’s a great choice if you need lots of room for passengers or luggage, and many older models are still going strong today thanks to their solid engineering.
The Volvo XC40 is another reliable pick, especially if you’re looking for a newer model. Introduced in 2018, it’s smaller than the XC60 but still offers great comfort, safety, and build quality. Models from 2019 onwards tend to score well in reliability reviews and customer satisfaction surveys.
Here are some of the most popular Volvo models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
Used Volvo finance is a flexible and affordable way to drive a reliable, safe car. You can choose a Hire Purchase agreement, where you pay fixed monthly amounts and own the car at the end, or go for a Personal Contract Purchase (PCP), which usually has lower monthly payments but includes a final balloon payment if you decide to keep the car.
Before applying, it’s a good idea to check your credit score, compare offers from different lenders, and make sure the car you’re interested in has a full service history. It’s also important to choose a finance term and payment plan that fits your budget.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
The Volvo XC40 is a compact SUV that’s popular with families, commuters, and first-time SUV buyers. It mixes stylish design with everyday practicality. You can get it as a petrol, diesel, hybrid, or fully electric model (called Recharge). Petrol versions can return up to 47 mpg, and the electric model offers up to 260 miles of range. Inside, there’s a 452-litre boot, which is big enough for pushchairs, shopping, or weekend luggage. The seats are comfortable with good legroom and headroom for adults and children. Safety tech comes as standard in most trims, making it ideal for families who want peace of mind on the road.
If you need more space than the XC40, the Volvo XC60 is a mid-size SUV that’s a step up in size and comfort. It has a smoother, more refined drive and offers petrol, diesel, and plug-in hybrid options. The plug-in hybrid can travel up to 48 miles on electric power alone, which is perfect for short, daily journeys without using fuel. The 483-litre boot is great for family holidays or transporting mobility equipment. Inside, you get high quality materials, heated seats, and a large touchscreen as standard on many models. The XC60 is a great choice for growing families or those who want more room without moving to a much larger car.
The Volvo V60 is a smart estate car that’s perfect for drivers who want a good-looking car with space and efficiency. With 529 litres of boot space and generous legroom, it suits families or anyone who travels with lots of luggage. It’s available with petrol, diesel, or hybrid engines. Some diesel models return up to 60 mpg, making it a strong option for long distance drivers. The V60 sits lower than an SUV, making it easier for some people to get in and out of, especially for those with mobility needs.
The S60 is Volvo’s stylish saloon, offering a smooth, quiet ride and sleek looks. It’s available as a mild hybrid or plug-in hybrid, with the plug-in offering up to 55 miles of electric driving. It’s a good choice for professionals, first-time buyers who want a more premium feel, or families who don’t need an SUV. The S60 has a comfortable cabin, solid build quality, and lower tax thanks to its low emissions, especially in hybrid form.
The V70 is a classic large estate car known for its comfort and reliability. Though no longer in production, it remains popular on the used car market. Many used models come with 2.0L or 2.4L diesel engines and are still going strong with high mileage. It has a huge boot of over 550 litres, making it ideal for families, pet owners, or anyone needing space for wheelchairs, mobility aids, or camping gear. The V70 is also known for its strong safety record, which adds to its appeal for those transporting kids or passengers regularly. Whether you’re a family looking for space, a commuter looking for comfort, or a new driver looking for something safe and practical, Volvo has something to suit. And with many models available on finance, it’s easier to spread the cost while driving a reliable and well built car.
