Get a Carsnitch Report for Free Owner, price, MOT & dealer.

Used Volkswagen Polo 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 Volkswagen Polo on finance

The Volkswagen Polo, recognized for its reliability, compact size, and efficient performance, is a favorite among various demographics, especially young and urban drivers. If you're exploring ways to get a used Polo on finance, here's a guide to assist you through the process.

Preliminary Steps:

1. Budgeting:

  • Establish a clear budget, considering monthly payments, insurance, maintenance, and unforeseen expenses.

2. Credit Score Check:

  • A good credit score may provide you access to better finance deals and interest rates.

3. Selecting a Model:

  • Determine the Polo model, year, and specifications that best fit your requirements and budget.

4. Vehicle Check:

  • Engage in a thorough examination of the vehicle’s condition and history.
  • A professional inspection can help avoid future surprises.

Financing Options:

1. Personal Loan:

  • A straightforward way to finance, allowing you to own the car immediately and repay the loan in monthly instalments.

2. Hire Purchase (HP):

  • Involves paying a deposit followed by fixed monthly payments. After the final payment, the car is yours.

3. Personal Contract Purchase (PCP):

  • Offers lower monthly payments with flexibility at the contract end to return, buy, or part-exchange the vehicle.

4. Lease Purchase:

  • Resembles PCP but compels you to buy the car at the end of the agreement.

5. Dealership Financing:

  • Dealers might offer finance deals, ensure to compare these with other options for best value.

6. Peer-to-Peer Lending:

  • Directly borrow from individual lenders via online platforms, ensuring you understand the terms and validate the platform.

Step-by-Step Purchase Guide:

1. Choose a Dealer:

  • Ensure they are reputable and offer clear and complete vehicle histories.

2. Negotiate:

  • Be prepared to discuss prices and confirm all costs are transparent.

3. Test Drive and Inspection:

  • Conduct a thorough test drive and consider a professional vehicle check.

4. Secure Financing:

  • Upon choosing a finance option, carefully review all terms and confirm they fit within your budget.

5. Insurance:

  • Acquire an insurance policy before the vehicle is in your possession.

6. Finalize Paperwork:

  • Ensure all paperwork, including the V5C and MOT certificates, are in order and retain copies for your records.

Additional Tips:

  • Resale Value: Consider models and specifications that maintain good resale value.

  • Warranty: Check if the car is still under manufacturer’s warranty or if the dealer offers any warranty on the purchase.

  • Total Payable Amount: Ensure clarity about the total amount payable over the finance term.

  • Early Repayment: Check if there are penalties for repaying the finance early in your agreement.

Conclusion:

Financing a used Volkswagen Polo involves thorough research, careful budgeting, and understanding the various finance options available. By taking a methodical approach and perhaps consulting with a financial advisor, you will be better positioned to make informed decisions, ensuring that your purchase is sound and satisfactory.

About the Volkswagen Polo

The Volkswagen Polo, a name synonymous with reliability and efficiency, has been a consistent performer in the supermini segment since its introduction in the 1970s. Over the years, it has garnered the admiration of many, not just in the UK, but globally, standing as a testament to Volkswagen's ability to create versatile vehicles for every segment.

A Journey of Evolution:

From its humble beginnings as a compact, practical hatchback, the Polo has undergone significant transformations. Each generation brought refined aesthetics, improved technology, and a more spacious interior, adapting to the needs of contemporary drivers without losing its core identity.

Tech-Savvy and Comfort-Oriented:

Modern Polos come packed with a suite of technological advancements. Features like adaptive cruise control, touchscreen infotainment systems, and a range of driver-assist systems highlight Volkswagen's commitment to marrying tradition with innovation. The cabin, too, echoes a sense of refined minimalism, ensuring comfort on every journey.

Amidst a Sea of Rivals:

In a bustling segment, the Polo faces competition from the likes of the Ford Fiesta, Renault Clio, and the Peugeot 208. However, with its blend of build quality, efficient performance, and the trust associated with the Volkswagen badge, the Polo has managed to carve a niche for itself.

What Lies Ahead:

With whispers of electric and hybrid versions in the pipeline, the future looks bright for the Polo. Volkswagen's commitment to sustainability ensures that this beloved model will continue to evolve, adapting to the needs of a new generation of environmentally-conscious drivers.

Wrapping Up:

The Volkswagen Polo, through its various iterations, has proven that a car's worth isn't defined by its size. Offering a blend of performance, technology, and comfort, it stands as a beacon of what a supermini can achieve.

Volkswagen Polo Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All5,473£12,242641,38613,351
Aberdeen City40£16,410422,708145
Aberdeenshire17£13,841533,06551
Angus1£6,9901070,4239
Antrim8£10,166947,65524
Ards5£8,850963,82512
Armagh4£10,445757,7849
Ballymena16£13,715541,88334
Banbridge1£10,590839,9101
Barking & Dagenham - Greater London2£5,3701287,3522
Barnet - Greater London3£12,727541,88917
Bedfordshire109£8,7241057,752162
Belfast12£11,977638,07259
Berkshire121£9,1001051,486326
Bexley - Greater London1£6,9501241,0007
Blaenau Gwent9£12,630722,84226
Brent - Greater London22£16,377317,84746
Bridgend2£9,495962,3911
Bristol86£10,104854,536187
Bromley - Greater London8£15,488429,04534
Buckinghamshire89£13,681536,949234
Caerphilly2£11,399659,39721
Cambridgeshire125£12,344642,442261
Cardiff31£14,864426,61883
Carmarthenshire9£10,983943,57711
Carrickfergus2£9,123875,0004
Ceredigion20£11,960837,99779
Cheshire119£13,378532,127357
City of Edinburgh111£15,540425,339260
City of London - Greater London96£10,511746,652313
Coleraine9£16,662313,2585
Conwy22£16,578420,78630
Cookstown11£12,970546,72014
Cornwall28£13,508634,07460
County Durham57£11,524645,017193
Craigavon5£14,895424,35513
Croydon - Greater London24£11,596838,51560
Cumbria76£15,828423,292171
Derbyshire76£12,926534,944233
Derry14£12,632641,06114
Devon103£14,568530,253232
Dorset72£14,409726,525163
Dumfries and Galloway7£13,795528,11910
Dundee City16£14,464529,57067
Dungannon1£7,5951042,0004
Ealing - Greater London26£6,1701257,46335
East Ayrshire7£8,539870,42840
East Dunbartonshire5£14,278425,8287
East Lothian2£6,7231074,0081
East Riding of Yorkshire15£11,824731,96873
East Sussex38£13,165635,71991
Enfield - Greater London7£9,994941,24312
Essex129£13,024633,985328
Falkirk9£9,718857,05717
Fermanagh7£16,093324,32213
Fife47£15,548424,787131
Flintshire9£10,1098119,6032
Glasgow City107£15,940318,970235
Gloucestershire57£14,102527,89896
Greater Manchester305£13,049636,652659
Greenwich - Greater London1£12,990616,447-
Gwynedd7£12,724841,4258
Hampshire121£12,273737,383343
Harrow - Greater London18£7,814857,48523
Havering - Greater London39£13,228631,94767
Herefordshire23£13,459529,84061
Hertfordshire176£11,419742,536428
Highland17£14,302427,69351
Hillingdon - Greater London35£9,218954,87069
Hounslow - Greater London6£6,4481473,96621
Inverclyde13£16,164317,46118
Isle of Anglesey1£2,99513122,899-
Isle of Wight4£12,245747,37512
Kent150£13,617530,544401
Kingston upon Thames - Greater London6£5,4751463,93815
Lancashire159£13,705532,099386
Larne1£9,250758,0005
Leicestershire67£13,418635,292157
Lincolnshire70£12,901636,195151
Lisburn1£13,495537,8707
Magherafelt4£5,0211286,8054
Merseyside61£13,953528,578176
Merthyr Tydfil22£16,068323,75234
Merton - Greater London2£6,494970,4234
Monmouthshire5£10,036948,06010
Moray8£13,283831,16233
Neath Port Talbot4£22,04229,49522
Newham - Greater London1£6,9951081,979-
Newport28£14,763425,87378
Newry and Mourne3£10,380756,7846
Newtownabbey7£9,803853,41634
Norfolk107£11,122746,378230
North Ayrshire14£11,033745,12320
North Down4£8,8301061,21720
North Lanarkshire39£14,598426,829106
North Yorkshire111£13,654531,077259
Northamptonshire48£11,003745,137144
Northumberland8£10,749740,33829
Nottinghamshire78£11,355741,027185
Omagh5£8,276872,0952
Oxfordshire51£12,934637,146138
Pembrokeshire5£17,019328,66720
Perth and Kinross9£17,091324,05938
Powys1£1,29518122,0001
Redbridge - Greater London4£10,457657,5006
Renfrewshire67£16,799217,093126
Rhondda Cynon Taf9£10,386863,44515
Richmond upon Thames - Greater London7£12,861534,32010
Rutland1£14,65056,7541
Scottish Borders1£12,990425,69718
Shropshire32£14,272530,796111
Somerset77£15,215426,959152
South Ayrshire14£16,667420,75544
South Lanarkshire6£14,129426,22521
South Yorkshire111£11,106744,935291
Staffordshire80£13,921533,555275
Stirling28£15,698321,37570
Strabane2£11,970657,0941
Suffolk105£12,427638,942207
Surrey120£12,325735,846351
Sutton - Greater London3£7,6131153,3335
Swansea43£13,273530,265101
Tyne and Wear123£12,532637,783248
Waltham Forest - Greater London12£12,607532,5226
Wandsworth - Greater London25£17,611315,14351
Warwickshire56£12,850541,67391
West Dunbartonshire4£14,222432,2579
West Lothian13£15,790328,75946
West Midlands228£12,804634,825498
West Sussex99£14,547527,884187
West Yorkshire191£10,767746,949522
Wiltshire57£13,156635,240150
Worcestershire47£15,934423,803117
Wrexham6£17,747423,97021
Add postcode for better results.