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Used Volkswagen Up 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 Up on finance

The Volkswagen Up is recognized for its compact size and city-friendly driving experience. Here’s a simplified guide to help you navigate through the process of financing a used Up.


1. Setting Your Budget and Requirements

  • Define Preferences: Pin down the model, year, and specs you’re looking for.
  • Budgeting: Establish what you can afford as a down payment and in monthly installments.

2. Exploring Finance Options

  • Bank Loans: You may secure a loan from your bank, given that you have a stable credit score.
  • Hire Purchase (HP): Offer an initial deposit and pay the rest through monthly installments, gaining ownership at the end.
  • Personal Contract Purchase (PCP): Enjoy lower monthly rates and flexibility at the contract’s end to buy, return, or part-exchange the car.
  • Dealer Financing: Dealerships may provide finance options, but ensure to compare their rates with external providers.

3. Selecting a Suitable Volkswagen Up

  • Condition Check: Ensure the Up is in an acceptable mechanical and aesthetic condition.
  • Verify Vehicle History: Investigate for any outstanding finance or serious issues in the vehicle’s history using its VIN.

4. Finalizing the Deal

  • Negotiation: Harness your knowledge on the Volkswagen Up to negotiate the price and payment terms.
  • Read Through Contract: Ensure all agreed terms are clearly specified in the contract.

5. Arranging Appropriate Insurance

  • Compare Premiums: Shop around to find an insurance premium that provides necessary coverage at a reasonable price.
  • Possible Bundling: Sometimes, bundling various insurance types can offer cost benefits.

6. Ownership and Maintenance

  • Stay Current with Payments: Ensure you manage loan, lease, and insurance payments diligently.
  • Regular Servicing: Uphold the performance and value of the Up with consistent maintenance.

7. Future Planning

  • Maintain Resale Value: Preserve service records and manage the car well to retain its resale value.
  • Next Steps: At the finance term’s end, consider whether you will sell, keep, or trade-in the car, basing your decision on its condition and current market value.

In Summary

Financing a used Volkswagen Up requires a structured approach, involving budget planning, exploring varied finance options, validating the vehicle’s condition, and managing ongoing payments and maintenance. Ensure to engage in meticulous research and possibly consult with a financial consultant to comprehend the best financial route for your situation. This thorough preparation ensures that your financial journey towards owning a Volkswagen Up is as smooth as possible.

About the Volkswagen Up

Volkswagen, often synonymous with reliability and well-engineered vehicles, has in its lineup the Volkswagen Up! – a compact city car that promises both fun and functionality in a pint-sized package.

Key Features and Specifications

  • Compact Design: The Up! is designed with city driving in mind, boasting a compact size that's perfect for narrow streets and tight parking spots. Yet, its modern and chic appearance ensures it doesn't compromise on style.
  • Fuel Efficiency: Available with a range of efficient petrol engines, the Up! promises impressive fuel economy, making it ideal for urban commutes and short trips.
  • Interior Space: Despite its compact size, the Up! manages to offer a surprisingly spacious interior with a practical boot space, making it suitable for the weekly shop or a weekend away.
  • Tech Features: The car comes with a suite of infotainment options, including smartphone integration, which ensures drivers remain connected even on the move.

Popular Models in the UK In the UK, where city cars have a significant market, several variants of the Up! have found favour:

  • Volkswagen Move Up!: This version provides essentials like air conditioning, electric front windows, and a 5-inch colour screen.
  • Volkswagen High Up!: A more premium variant, it adds alloy wheels, satellite navigation, and heated front seats to the mix.
  • Volkswagen Up! GTI: Channeling the spirit of the original Golf GTI, this sporty version of the Up! offers a turbocharged engine and sportier aesthetics.
Volkswagen Up Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All928£8,772737,2912,219
Aberdeen City11£8,865729,92320
Aberdeenshire3£11,863531,2937
Angus2£6,4231049,5503
Antrim1£6,495842,3161
Armagh1£5,3951177,0001
Ballymena2£9,723536,157-
Bedfordshire12£6,0681053,11029
Berkshire13£8,702831,78537
Bexley - Greater London3£5,9261035,0172
Blaenau Gwent2£11,247541,2793
Brent - Greater London2£10,348628,1524
Bristol13£7,536748,22131
Bromley - Greater London1£7,595810,7894
Buckinghamshire18£9,709730,21435
Caerphilly1£6,995764,0002
Cambridgeshire14£8,385739,63933
Cardiff9£7,809846,15316
Carmarthenshire2£8,495922,1805
Ceredigion5£10,096622,10911
Cheshire20£10,266628,17455
City of Edinburgh17£9,487733,25439
City of London - Greater London13£7,991739,23919
Clackmannanshire1£6,9981160,670-
Conwy1£8,995617,0007
Cookstown1£9,795531,100-
Cornwall5£11,296521,60415
County Durham13£7,603836,10450
Craigavon3£9,162627,1971
Croydon - Greater London1£8,495727,8105
Cumbria14£10,220627,90029
Derbyshire17£9,486628,83144
Devon25£10,004633,81550
Dorset10£10,919725,40528
Dumfries and Galloway1£7,2951226,8412
Dundee City2£11,147623,72014
Ealing - Greater London2£4,9951160,0008
East Ayrshire3£5,6621070,9987
East Dunbartonshire1£9,99859,3072
East Lothian1£5,999849,5802
East Riding of Yorkshire4£9,513736,11214
East Sussex5£8,106845,55421
Enfield - Greater London1£7,995550,8882
Essex21£9,443739,18150
Fife15£12,413525,45538
Flintshire1£4,750891,8272
Glasgow City19£9,553727,40729
Gloucestershire17£8,106840,15858
Greater Manchester57£8,088839,21769
Gwynedd2£11,090722,8502
Hampshire29£9,088836,93071
Harrow - Greater London4£5,645841,3978
Havering - Greater London3£5,1301057,8114
Herefordshire3£9,187815,26516
Hertfordshire20£8,638832,17845
Highland3£8,430737,1438
Hillingdon - Greater London2£7,449941,1428
Hounslow - Greater London4£7,7231039,9794
Inverclyde1£4,5901162,4283
Isle of Wight2£7,2451230,9504
Kent23£10,369632,36256
Kingston upon Thames - Greater London4£6,838945,6993
Lancashire19£8,332842,80165
Larne1£6,995846,000-
Leicestershire9£9,122739,41629
Lincolnshire8£7,492838,64540
Merseyside12£7,456846,12434
Merthyr Tydfil1£11,999640,4525
Moray1£7,995118,0006
Neath Port Talbot3£12,075523,6446
Newport3£7,327840,4099
Newtownabbey3£9,156619,1567
Norfolk15£7,395836,92348
North Ayrshire4£7,699740,6012
North Down3£5,563976,7631
North Lanarkshire3£11,25549,90412
North Yorkshire14£9,082727,60256
Northamptonshire15£8,488645,14322
Northumberland3£11,802634,5017
Nottinghamshire14£7,146947,55354
Oxfordshire7£8,012831,91819
Pembrokeshire1£16,190317,0003
Perth and Kinross4£14,248418,5137
Renfrewshire4£10,086738,66710
Rhondda Cynon Taf4£10,724538,6156
Rutland1£5,4501069,9101
Scottish Borders2£7,575923,3265
Shropshire6£8,603826,52415
Somerset11£9,765737,46537
South Ayrshire1£5,9951256,3435
South Lanarkshire1£7,850645,5494
South Yorkshire17£7,282745,92455
Staffordshire25£10,905734,73254
Stirling5£9,867633,5656
Suffolk23£8,492736,18142
Surrey21£8,863731,32447
Swansea11£10,511731,79321
Tyne and Wear19£8,118841,58447
Waltham Forest - Greater London4£11,97439,2111
Wandsworth - Greater London2£14,599417,2265
Warwickshire12£9,691733,89320
West Dunbartonshire1£16,498218,8431
West Lothian2£6,4471060,4017
West Midlands25£10,021731,59257
West Sussex23£7,911853,54242
West Yorkshire33£7,922842,142106
Wiltshire7£8,641827,70222
Worcestershire18£8,894841,66530
Wrexham1£6,9951159,2545
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