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
All4,784£11,953741,68714,540
Aberdeen City46£15,657420,883141
Aberdeenshire19£16,257421,08039
Angus1£11,695637,52410
Antrim10£10,485753,14517
Ards4£8,225976,25013
Armagh3£5,44711100,29814
Ballymena14£12,214542,05437
Banbridge1£8,495877,0005
Barking & Dagenham - Greater London1£3,9951397,0002
Barnet - Greater London7£10,365937,96817
Bedfordshire97£8,4201059,872206
Belfast7£12,226631,83478
Berkshire133£10,431948,006309
Bexley - Greater London3£10,608644,2247
Blaenau Gwent11£10,967744,17327
Brent - Greater London11£11,909732,31760
Bridgend2£8,4951051,163-
Bristol71£9,424858,101221
Bromley - Greater London13£17,499324,08035
Buckinghamshire69£12,638641,844246
Caerphilly5£6,8531079,45623
Cambridgeshire114£12,682642,403277
Cardiff20£15,316527,75888
Carmarthenshire4£11,445743,09612
Carrickfergus1£15,950536,0004
Ceredigion28£14,016632,28279
Cheshire122£13,310530,438385
City of Edinburgh75£13,657633,458232
City of London - Greater London113£11,006745,544264
Coleraine4£16,870313,4136
Conwy17£16,483420,61536
Cookstown11£16,706322,9868
Cornwall21£14,760427,72676
County Durham39£10,845746,886224
Craigavon7£15,532424,20018
Croydon - Greater London26£10,640945,87050
Cumbria63£13,403633,805158
Derbyshire72£12,155637,682244
Derry12£12,486645,77313
Devon100£13,969633,793260
Dorset69£14,061529,433175
Down2£12,495537,00014
Dumfries and Galloway3£14,896524,39312
Dundee City19£14,333426,96771
Dungannon2£11,545741,6258
Ealing - Greater London23£7,0601155,59138
East Ayrshire14£11,253741,05220
East Dunbartonshire1£15,998218,1924
East Lothian2£7,5001074,0083
East Riding of Yorkshire11£11,136739,37475
East Sussex28£14,161631,761109
Enfield - Greater London4£6,8201148,3374
Essex130£13,286634,230331
Falkirk9£9,273951,47522
Fermanagh9£11,706648,7287
Fife39£13,635530,382140
Flintshire8£11,2028132,1223
Glasgow City70£15,548422,372254
Gloucestershire49£11,434739,637135
Greater Manchester248£11,908744,187803
Gwynedd5£11,175755,9509
Hampshire101£12,626737,455411
Harrow - Greater London17£7,624956,74522
Havering - Greater London35£15,429521,30079
Herefordshire24£13,206627,11777
Hertfordshire164£10,830845,437436
Highland14£15,736424,05159
Hillingdon - Greater London33£10,192851,087109
Hounslow - Greater London11£7,1511163,13012
Inverclyde3£15,149416,89613
Isle of Wight9£9,821954,39215
Kent148£13,109634,335427
Kingston upon Thames - Greater London9£5,3681582,48124
Lambeth - Greater London1£15,991520,528-
Lancashire117£12,121639,403400
Larne3£9,843750,3675
Leicestershire57£10,973746,308185
Lincolnshire58£11,873640,554187
Lisburn1£18,39516826
Magherafelt6£5,6971185,5364
Merseyside64£14,184526,940177
Merthyr Tydfil7£16,157314,86348
Merton - Greater London2£6,6441339,3507
Midlothian1£14,995316,6382
Monmouthshire7£6,1401370,97112
Moray7£13,424727,54840
Neath Port Talbot6£13,357526,21928
Newport24£14,078530,04867
Newry and Mourne5£10,878651,9636
Newtownabbey3£11,481640,05860
Norfolk89£11,725741,640235
North Ayrshire13£11,322751,95012
North Down5£6,9651155,04414
North Lanarkshire21£12,826536,251106
North Yorkshire78£13,326533,530317
Northamptonshire52£11,212846,271133
Northumberland12£10,464740,98929
Nottinghamshire78£11,373740,918215
Omagh2£10,017783,6458
Oxfordshire41£13,528633,548133
Pembrokeshire4£10,861638,51123
Perth and Kinross9£16,198520,51861
Redbridge - Greater London4£6,3211171,2268
Renfrewshire29£13,626531,916158
Rhondda Cynon Taf12£8,622960,98413
Richmond upon Thames - Greater London3£13,090627,63910
Scottish Borders2£10,243929,93315
Shropshire35£13,627534,231112
Somerset75£14,284528,879208
South Ayrshire15£12,071642,05754
South Lanarkshire5£13,584418,23220
South Yorkshire98£10,572851,696293
Staffordshire93£12,337634,533304
Stirling13£12,013634,72473
Suffolk116£11,367744,709204
Surrey142£12,311736,425337
Sutton - Greater London3£6,8651260,2714
Swansea22£11,075741,112103
Tyne and Wear89£10,647750,082313
Waltham Forest - Greater London7£12,848534,8816
Wandsworth - Greater London18£16,457419,41151
Warwickshire44£13,658635,792115
West Dunbartonshire2£10,747654,06324
West Lothian11£10,728853,63832
West Midlands184£12,145638,982530
West Sussex65£15,336527,545212
West Yorkshire147£9,177955,006589
Wiltshire41£12,074738,745209
Worcestershire40£14,812530,423139
Wrexham6£16,945518,17522
Add postcode for better results.