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Used Volkswagen Up on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

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
All740£8,350944,9061,426
Aberdeen City4£11,434527,98317
Aberdeenshire2£11,845432,6215
Ards1£7,950742,420-
Barking & Dagenham - Greater London1£5,995939,006-
Bedfordshire6£5,411968,07911
Belfast2£4,7731199,4504
Berkshire12£7,3351052,13821
Bristol13£7,6901035,32425
Buckinghamshire17£7,665945,57822
Cambridgeshire12£7,004946,52529
Cardiff1£11,450424,9081
Carmarthenshire2£8,743749,2381
Carrickfergus2£7,9501326,1006
Cheshire15£7,2591055,32426
City of Edinburgh14£7,901949,25211
City of London - Greater London1£9,000863,0004
Coleraine2£10,947546,785-
Cornwall6£9,528833,51114
County Durham21£6,3181058,94441
Croydon - Greater London2£8,294823,2512
Cumbria8£9,314832,78118
Derbyshire14£8,158945,77530
Devon26£8,550946,17263
Dorset8£9,371921,22414
Dumfries and Galloway1£9,995861,486-
Dundee City3£9,897742,11116
Dungannon1£8,450364,534-
Ealing - Greater London2£4,2431377,1002
East Ayrshire3£6,262961,2944
East Sussex6£8,274941,42310
Enfield - Greater London1£5,9951331,8683
Essex14£8,405936,21027
Falkirk4£6,6961136,3084
Fife6£10,395732,36211
Glasgow City13£8,317842,67530
Gloucestershire7£6,186975,95820
Greater Manchester34£7,140946,73680
Gwynedd1£11,900418,400-
Hampshire19£8,106940,86444
Harrow - Greater London2£4,5951025,9412
Havering - Greater London8£9,115933,4121
Herefordshire3£6,4721051,99412
Hertfordshire7£6,4021158,22930
Highland1£36,900184
Hillingdon - Greater London2£4,1451250,1003
Hounslow - Greater London3£9,627926,5474
Isle of Wight2£7,9951147,5826
Kent27£6,7821053,29043
Kingston upon Thames - Greater London2£6,3701344,2353
Lancashire29£7,2978160,58945
Larne1£10,950847,0001
Leicestershire9£8,442742,10521
Lincolnshire9£8,940835,88811
Lisburn3£11,325519,9681
Merseyside3£6,9971029,2937
Merthyr Tydfil1£5,9901148,7001
Merton - Greater London1£6,9951243,154-
Moray2£11,845328,9146
Neath Port Talbot10£7,405954,2357
Newport1£7,794850,900-
Newtownabbey2£6,240951,5206
Norfolk16£7,917949,23538
North Lanarkshire12£8,4641037,7055
North Yorkshire15£10,299628,82543
Northamptonshire9£9,062646,54419
Northumberland4£7,349941,4014
Nottinghamshire8£9,689838,49526
Oxfordshire7£7,736930,44719
Perth and Kinross1£7,990927,9582
Renfrewshire2£10,498625,4398
Rhondda Cynon Taf4£4,6201388,9754
Shropshire7£8,5011027,68215
Somerset9£8,785936,73517
South Ayrshire2£4,9971363,9625
South Yorkshire11£8,198842,00644
Staffordshire14£9,023933,15020
Stirling1£9,498454,55012
Suffolk12£9,181730,62617
Surrey36£6,7411044,72657
Sutton - Greater London1£6,890753,000-
The Vale of Glamorgan2£3,7501374,2371
Tyne and Wear23£9,073733,17545
Warwickshire3£9,428846,1297
West Lothian1£6,4901150,0633
West Midlands15£8,159848,54141
West Sussex15£7,805944,65626
West Yorkshire57£7,1051044,73787
Wiltshire8£9,148837,35714
Worcestershire10£8,007937,95517
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