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Used Volvo XC90 on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Volvo XC90 on finance

The Volvo XC90 is a popular SUV, appreciated for its luxurious interior, strong safety features, and user-friendly tech. Financing a used one can be a smart move to enjoy these features at a reduced cost. Here's your guide to understanding what’s involved.


Step 1: Assess Your Financial Situation

  • Budgeting: Establish a clear budget, considering all costs (down payment, monthly installments, insurance, etc.)
  • Credit Score: Check your credit score as it significantly impacts your loan's interest rate.

Step 2: Investigate the Vehicle

  • History Check: Use the car’s VIN to run a history check, verifying for any accidents or issues.
  • Physical Inspection: Engage in a detailed examination, ideally with a mechanic, to confirm its condition.

Step 3: Select a Suitable Model

  • Research: Identify the XC90 model and variant fitting your needs and preferences.
  • Test Drive: Ensure the vehicle performs to your satisfaction with a test drive.

Step 4: Explore Financing Options

  • Bank Loans: Investigate loans from banks or credit unions, exploring interest rates and terms.
  • Hire Purchase: Consider a straightforward option like HP, where you pay in installments and own the car after the last payment.
  • PCP: This allows smaller monthly payments with a larger balloon payment at the end if you choose to keep the car.
  • Dealership Finance: Evaluate the financing plans offered by dealerships, considering interest rates and special offers.

Step 5: Price Negotiation

  • Market Price: Familiarize yourself with the average market price of the chosen model.
  • Negotiation: Discuss the price assertively, basing your argument on your market research and the vehicle’s condition.

Step 6: Review and Sign Contract

  • Details: Ensure all negotiated terms, costs, and the agreed-upon rate are accurately listed.
  • Fine Print: Scrutinize all clauses, ensuring you comprehend all elements of the agreement.

Step 7: Insurance and Paperwork

  • Insurance: Acquire a suitable insurance plan before finalizing the deal.
  • Registration: Ensure all paperwork is processed accurately and that the vehicle is registered in your name.

Step 8: Maintain Your Vehicle and Finances

  • Timely Payments: Consistently manage your monthly payments to protect your credit rating.
  • Maintenance: Engage in regular maintenance to preserve the car’s condition and retain its value.

Step 9: Future Considerations

  • Resale Value: Maintain the XC90 well to secure a good resale value.
  • Next Steps: Decide whether you’ll keep the vehicle, upgrade, or switch models at the end of the payment term.

Conclusion

Financing a used Volvo XC90 involves numerous steps, from personal financial assessment to handling paperwork post-purchase. Adhering to this guide ensures a structured approach, aiding in securing a favorable deal and enjoying a smooth ownership experience.

About the Volvo XC90

In the expansive landscape of SUVs, the Volvo XC90 stands as a testament to Scandinavian design, blending understated luxury with top-tier safety and technology.

History and Introduction: Launched in 2002, the XC90 was Volvo's foray into the larger SUV market, quickly becoming an integral part of the UK roads. Its debut model garnered attention for its spacious seven-seat design, combined with a safety record that remains a benchmark.

Design Evolution: The XC90 has seen a few iterations since its inception, with the most striking transformation in its second generation launched in 2015. Here, Volvo transitioned from a boxier design to a more streamlined, modern silhouette without compromising on its characteristic robustness. The signature Thor's hammer LED headlights and a sophisticated cabin replete with tactile materials and digital interfaces further accentuated its modern appeal.

Performance Meets Sustainability: Over the years, the XC90 has offered a range of powertrains. From powerful petrol and diesel engines to the innovative T8 Twin Engine, a plug-in hybrid that demonstrated Volvo's forward-thinking approach towards greener driving solutions.

Navigating Through the Rivals: On British roads, the XC90 competes with titans like the BMW X5, Land Rover Discovery, and Audi Q7. Yet, its unparalleled safety features, combined with its Scandinavian design ethos, give it a distinct identity.

Closing Thoughts: The Volvo XC90 isn't just another luxury SUV; it’s a statement of safety, design, and innovation. It promises not only a comfortable journey but also peace of mind, making it a cherished choice for families and solo drivers alike in the UK.

Volvo XC90 Data by County

Volvo XC90 data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,365£35,877547,0863,480
Aberdeen City5£47,000333,18514
Aberdeenshire2£40,995429,950-
Ballymena1£11,9951284,1502
Banbridge1£31,950464,000-
Bedfordshire30£31,325659,98276
Belfast2£29,497566,442827
Berkshire54£40,813436,891108
Brent - Greater London1£17,9959106,0001
Bristol16£46,820323,09848
Bromley - Greater London7£41,982327,30333
Buckinghamshire19£37,361550,28535
Caerphilly1£10,00011103,6192
Cambridgeshire44£34,001655,49055
Cardiff6£48,331324,21710
Carrickfergus1£30,999462,101-
Ceredigion1£31,995554,5233
Cheshire25£45,539322,39761
City of Edinburgh10£37,700539,46726
City of London - Greater London62£44,205328,562112
Coleraine2£47,745119,143-
Conwy1£25,995878,000-
Cookstown1£29,990560,000-
Cornwall5£43,176324,75816
County Durham13£39,213454,25618
Craigavon1£38,443540,5252
Croydon - Greater London3£31,426653,0002
Cumbria1£36,450542,0001
Derbyshire22£39,581539,24237
Devon29£35,030639,99440
Dorset21£40,070532,40242
Down1£34,50058,0002
Dundee City4£53,499114,24621
Dungannon5£33,889555,1953
East Riding of Yorkshire13£45,648223,12724
East Sussex14£39,149434,27421
Enfield - Greater London1£23,990864,585-
Essex53£32,493645,94495
Falkirk1£27,990961,7362
Fife3£12,8281191,6674
Flintshire1£23,998868,0006
Glasgow City5£31,396544,45225
Gloucestershire7£49,641336,95225
Greater Manchester59£25,861873,34298
Hampshire33£35,591548,43368
Haringey - Greater London2£39,684437,8504
Harrow - Greater London2£25,745664,286-
Havering - Greater London3£27,098679,5255
Hertfordshire46£44,885330,33388
Highland10£43,538418,76128
Hillingdon - Greater London2£25,995748,5084
Kent48£40,659438,14593
Lancashire28£40,099444,62054
Leicestershire52£46,779332,87383
Limavady1£35,995432,0001
Lincolnshire36£41,914435,183104
Magherafelt8£28,135678,6254
Merseyside6£25,761780,4466
Merthyr Tydfil2£7,49515136,5001
Monmouthshire2£5,99515114,5002
Newport1£18,9958110,6303
Newry and Mourne4£37,245438,6895
Newtownabbey1£7,9951496,0004
Norfolk34£40,982438,03138
North Down2£28,220649,6411
North Lanarkshire2£43,209315,681-
North Yorkshire56£45,517223,268119
Northamptonshire15£41,740444,07733
Nottinghamshire16£35,121547,86842
Omagh1£38,795351,582-
Oxfordshire16£43,112436,66532
Perth and Kinross2£51,495217,70613
Redbridge - Greater London2£35,395538,0003
Renfrewshire1£31,110469,9551
Richmond upon Thames - Greater London1£42,695338,2631
Shropshire9£39,164548,41816
Somerset12£33,364651,57028
South Ayrshire1£39,998323,59610
South Lanarkshire1£50,49827,5281
South Yorkshire26£37,055441,99455
Staffordshire13£37,174543,19526
Stirling12£45,348322,66619
Strabane2£32,993653,1474
Suffolk18£41,191335,57128
Surrey26£35,380545,00572
Swansea7£53,604216,45421
Tyne and Wear14£48,498322,73034
Waltham Forest - Greater London1£31,999435,642-
Warwickshire8£33,767559,05625
West Dunbartonshire2£29,124651,918-
West Midlands90£42,744437,571154
West Sussex18£46,977327,39448
West Yorkshire84£42,614432,315144
Wiltshire21£42,169329,01337
Worcestershire11£49,285428,13721
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