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
All5,431£12,114742,62113,387
Aberdeen City49£15,493424,802145
Aberdeenshire18£14,613524,35645
Angus1£11,399429,3549
Antrim8£11,175650,77122
Ards6£7,999975,12210
Armagh3£6,2471183,2579
Ballymena14£13,935540,71539
Ballymoney1£6,995984,9702
Banbridge1£10,690839,9101
Barking & Dagenham - Greater London1£3,9951397,0002
Barnet - Greater London4£11,258744,16717
Bedfordshire106£8,5711056,672174
Belfast6£13,023636,84869
Berkshire127£10,409948,379308
Bexley - Greater London2£11,833825,0077
Blaenau Gwent6£11,339932,26927
Brent - Greater London19£18,117213,42757
Bridgend2£9,495962,3911
Bristol72£10,164859,158188
Bromley - Greater London10£16,141429,96534
Buckinghamshire74£12,961640,928236
Caerphilly5£7,998892,84323
Cambridgeshire131£12,491542,315236
Cardiff25£14,006533,21177
Carmarthenshire7£9,567951,36813
Carrickfergus4£11,774652,7002
Ceredigion36£11,705743,14469
Cheshire115£13,033532,645374
City of Edinburgh125£15,076427,430220
City of London - Greater London109£10,802745,991291
Clackmannanshire1£14,99857,3311
Coleraine10£14,394427,3213
Conwy25£16,738420,86526
Cookstown11£14,375538,50212
Cornwall24£14,410529,55660
County Durham46£12,110644,012191
Craigavon10£14,877425,05213
Croydon - Greater London21£11,650837,81553
Cumbria77£15,596524,010182
Derbyshire74£13,342535,084232
Derry10£11,983642,10017
Devon101£14,083533,010221
Dorset84£14,226728,317152
Down1£3,99513102,0007
Dumfries and Galloway5£12,828846,06012
Dundee City19£16,291418,97273
Dungannon2£11,045741,6254
Ealing - Greater London24£6,0861262,65733
East Ayrshire8£10,560747,80134
East Dunbartonshire3£15,565420,5827
East Lothian2£6,7231074,0082
East Riding of Yorkshire17£10,876739,50780
East Sussex32£13,844535,12395
Enfield - Greater London7£9,802951,96110
Essex136£13,102635,476308
Falkirk11£10,522855,07415
Fermanagh7£14,522431,28111
Fife41£16,403321,646141
Flintshire8£10,8627131,7031
Glasgow City109£15,385420,699262
Gloucestershire52£14,180528,832105
Greater Manchester317£12,662640,430667
Gwynedd7£10,009856,7968
Hampshire111£13,124635,179356
Harrow - Greater London17£8,139855,62822
Havering - Greater London38£14,880525,31969
Herefordshire19£12,860537,39864
Hertfordshire184£11,698742,695401
Highland19£13,559534,21452
Hillingdon - Greater London43£9,488954,32876
Hounslow - Greater London11£6,3781366,19017
Inverclyde16£15,445419,87119
Isle of Wight5£12,695747,48011
Kent160£13,886531,128408
Kingston upon Thames - Greater London8£6,7621261,22719
Lancashire155£13,569531,977386
Larne2£6,5701245,2435
Leicestershire71£11,835641,711148
Lincolnshire71£12,227640,344147
Lisburn3£11,382539,7606
Magherafelt6£5,5471185,5362
Merseyside69£14,102528,171181
Merthyr Tydfil20£15,619424,45143
Merton - Greater London3£5,7281255,6335
Midlothian1£14,995316,638-
Monmouthshire6£9,0621058,38312
Moray9£13,535823,08632
Neath Port Talbot4£17,692420,48528
Newport21£15,448430,74481
Newry and Mourne2£12,095749,5398
Newtownabbey8£11,034745,19745
Norfolk109£11,393744,036223
North Ayrshire16£11,179747,28718
North Down5£6,9141065,98924
North Lanarkshire45£14,567426,240106
North Yorkshire85£12,967635,486261
Northamptonshire53£10,528846,006138
Northumberland9£11,474733,81330
Nottinghamshire80£11,144742,893186
Omagh5£8,276872,0954
Oxfordshire53£14,310531,533123
Pembrokeshire7£16,139328,09321
Perth and Kinross11£15,268433,12743
Powys1£1,49518122,0001
Redbridge - Greater London4£6,1701171,2266
Renfrewshire72£16,445318,581124
Rhondda Cynon Taf9£8,3971070,68417
Richmond upon Thames - Greater London4£13,340437,5419
Rutland1£9,000673,774-
Scottish Borders2£12,240645,58319
Shropshire45£13,963532,041107
Somerset72£14,847529,873164
South Ayrshire18£15,949423,41343
South Lanarkshire6£12,131636,72120
South Yorkshire102£10,971747,828285
Staffordshire77£13,838534,465327
Stirling27£16,694317,90565
Strabane2£11,970657,0942
Suffolk81£11,909639,956214
Surrey126£12,870734,073332
Sutton - Greater London2£8,7451066,0007
Swansea33£12,721533,66299
Tyne and Wear107£12,221640,357280
Waltham Forest - Greater London7£13,219529,8605
Wandsworth - Greater London19£18,481412,76449
Warwickshire59£13,557537,82595
West Dunbartonshire5£13,277537,84118
West Lothian8£16,035323,18037
West Midlands221£12,633637,721483
West Sussex96£14,253629,444177
West Yorkshire163£10,181849,147522
Wiltshire54£13,445635,689169
Worcestershire55£15,588425,107123
Wrexham4£12,825629,35423
Add postcode for better results.