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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
All6,098£12,256641,16614,045
Aberdeen City49£16,323321,898127
Aberdeenshire13£17,501217,79349
Angus2£13,745440,77527
Antrim8£12,403537,48919
Ards4£9,624960,41315
Armagh6£11,027655,5474
Ballymena13£12,656541,51232
Ballymoney1£4,5001199,6773
Barking & Dagenham - Greater London2£10,595938,0762
Barnet - Greater London16£11,685636,96114
Bedfordshire90£8,3961059,821185
Belfast16£11,313644,23484
Berkshire175£11,252850,677318
Bexley - Greater London3£12,530630,3834
Blaenau Gwent14£10,989740,88515
Brent - Greater London19£12,235637,40260
Bridgend2£9,495962,391-
Bristol53£8,184961,889109
Bromley - Greater London5£16,687313,88933
Buckinghamshire106£13,897535,955263
Caerphilly10£8,299967,8699
Cambridgeshire136£12,285642,233288
Cardiff35£13,342529,48695
Carmarthenshire12£11,228745,7338
Carrickfergus5£12,189547,76511
Ceredigion36£11,826743,51954
Cheshire143£14,109428,405367
City of Edinburgh89£14,544428,432279
City of London - Greater London113£11,196744,013298
Coleraine8£13,839530,72510
Conwy31£14,921427,71456
Cookstown13£13,031538,60611
Cornwall32£14,966528,22369
County Durham83£12,417537,843223
Craigavon7£12,775545,63415
Croydon - Greater London42£14,994530,84763
Cumbria50£15,271428,610128
Derbyshire85£13,714535,232298
Derry13£10,047760,73416
Devon122£13,447633,447249
Dorset76£14,469527,184178
Down4£15,923213,6484
Dumfries and Galloway6£12,563734,9218
Dundee City19£15,074427,46565
Dungannon2£7,798877,4212
Ealing - Greater London22£6,3671069,59531
East Ayrshire8£11,409647,12717
East Riding of Yorkshire20£13,118536,97874
East Sussex62£12,295737,257121
Enfield - Greater London8£11,554735,8497
Essex167£14,696427,914300
Falkirk9£11,842639,39322
Fermanagh9£15,575434,1735
Fife52£15,644325,651146
Flintshire8£10,9867138,3823
Glasgow City102£15,992320,511243
Gloucestershire33£11,617647,84488
Greater Manchester311£12,278641,604793
Gwynedd5£14,130436,7908
Hammersmith & Fulham - Greater London1£3,9951649,0001
Hampshire151£12,826637,903403
Harrow - Greater London19£7,519755,22619
Havering - Greater London42£10,579848,40780
Herefordshire13£13,011528,93868
Hertfordshire170£11,751742,205374
Highland21£16,596314,25140
Hillingdon - Greater London35£8,650958,86282
Hounslow - Greater London8£7,2851050,87830
Inverclyde6£17,248217,59616
Isle of Anglesey1£3,49512122,9132
Isle of Wight10£7,1261164,48014
Kensington & Chelsea - Greater London2£8,450943,9822
Kent192£13,828531,467435
Kingston upon Thames - Greater London12£8,2311041,10414
Lancashire187£12,651538,180426
Larne1£7,990948,5525
Leicestershire82£13,714537,986178
Limavady1£12,995544,000-
Lincolnshire93£13,849534,260133
Lisburn2£8,473790,2928
Magherafelt10£8,580964,3644
Merseyside67£14,478429,009184
Merthyr Tydfil16£14,068431,66015
Merton - Greater London2£6,5951063,8514
Midlothian1£11,495628,0252
Monmouthshire4£9,796764,3727
Moray11£15,723618,51927
Neath Port Talbot18£15,539328,93629
Newport75£17,146216,364223
Newry and Mourne8£11,204742,2227
Newtownabbey8£8,523766,40555
Norfolk116£11,871644,015201
North Ayrshire11£11,907640,62416
North Down5£8,3751048,32511
North Lanarkshire39£14,219525,20694
North Yorkshire86£15,099426,830300
Northamptonshire58£11,022749,344141
Northumberland11£12,026534,60019
Nottinghamshire96£11,968640,812248
Omagh5£7,617879,8204
Oxfordshire57£14,406531,182113
Pembrokeshire6£15,142517,49720
Perth and Kinross18£17,369321,26751
Powys4£8,259863,56710
Redbridge - Greater London6£7,3721279,28010
Renfrewshire63£16,650321,554177
Rhondda Cynon Taf17£10,303852,20815
Rutland1£10,650730,8902
Scottish Borders4£10,010834,22821
Shropshire47£14,920428,995103
Somerset77£14,073529,534149
South Ayrshire24£14,034429,09043
South Lanarkshire8£11,558645,89826
South Yorkshire160£10,540750,129254
Staffordshire71£13,251532,674237
Stirling16£18,561111,97467
Suffolk104£11,965640,428208
Surrey161£12,749636,769340
Sutton - Greater London6£6,2961244,31915
Swansea53£14,512427,52098
Tyne and Wear119£12,466639,163313
Waltham Forest - Greater London9£11,438743,36020
Wandsworth - Greater London22£20,10916,02842
Warwickshire68£16,128325,668114
West Dunbartonshire1£13,998335,78410
West Lothian14£15,290323,57945
West Midlands237£12,508639,698503
West Sussex111£15,089426,895228
West Yorkshire189£10,447748,281538
Wiltshire77£12,650635,966163
Worcestershire61£16,396426,213135
Wrexham6£14,269328,10129
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