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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
All780£8,525842,8851,451
Aberdeen City5£11,096635,91221
Aberdeenshire5£11,026535,8135
Angus1£6,795961,945-
Antrim1£10,950651,9003
Ards1£7,950742,4202
Ballymena2£5,6451169,7823
Barking & Dagenham - Greater London1£5,995939,0061
Bedfordshire4£5,9851073,45413
Belfast3£9,290751,66312
Berkshire6£6,1021066,20918
Bristol18£6,0211154,14330
Bromley - Greater London1£8,089834,1341
Buckinghamshire11£9,560833,29419
Cambridgeshire12£7,747853,13125
Cardiff2£8,4231021,7182
Carmarthenshire1£7,495767,475-
Carrickfergus4£8,7001135,3006
Ceredigion1£15,99531,8953
Cheshire14£8,910842,77128
City of Edinburgh12£7,4041051,77613
City of London - Greater London3£8,113947,8775
Coleraine1£14,995214,9923
Conwy1£10,795424,1282
Cornwall7£9,795844,03711
County Durham16£6,7551062,05939
Cumbria9£10,107736,5977
Denbighshire1£5,9951150,418-
Derbyshire12£7,649945,67139
Devon34£8,337942,42764
Dorset8£9,456942,00912
Dumfries and Galloway1£9,995861,486-
Dundee City7£11,221541,9377
Dungannon1£9,250364,534-
East Ayrshire1£5,4951157,6253
East Riding of Yorkshire2£9,520921,3975
East Sussex5£7,356940,59113
Enfield - Greater London1£5,8001159,1184
Essex13£7,408943,67325
Falkirk6£6,9801043,2083
Fife7£8,066849,87717
Flintshire1£4,8951348,000-
Glasgow City15£8,456837,50423
Gloucestershire5£7,645951,33426
Greater Manchester35£7,963941,82989
Gwynedd1£11,900418,4001
Hampshire25£8,653942,63049
Harrow - Greater London2£4,1451067,500-
Havering - Greater London6£8,1901135,1756
Hertfordshire11£6,9381044,35733
Highland2£10,124734,5071
Hillingdon - Greater London3£4,8131263,0001
Hounslow - Greater London2£14,249312,8304
Inverclyde2£7,4941022,8062
Isle of Wight7£8,781944,2582
Kent29£7,3541041,54947
Kingston upon Thames - Greater London1£8,7501015,6005
Lancashire29£6,8451047,58844
Leicestershire6£10,646631,35429
Lincolnshire8£7,308943,63520
Lisburn1£13,485319,8202
Merseyside7£9,105942,8039
Merthyr Tydfil1£7,495757,1004
Moray2£8,7451027,2803
Neath Port Talbot7£7,237849,56512
Newport1£3,6951385,794-
Newtownabbey3£12,323631,0515
Norfolk19£9,196742,38225
North Ayrshire1£5,2991364,5003
North Down1£6,4951063,2281
North Lanarkshire10£7,2491141,03411
North Yorkshire19£8,118845,05738
Northamptonshire4£9,821643,94411
Northumberland3£8,332836,5354
Nottinghamshire15£8,814837,61518
Oxfordshire8£7,910940,85013
Pembrokeshire1£9,499444,6851
Perth and Kinross1£10,990337,4552
Renfrewshire2£8,998833,8314
Rhondda Cynon Taf5£5,9951172,7043
Shropshire6£7,768922,57212
Somerset10£8,540936,07435
South Yorkshire22£9,077837,17322
Staffordshire13£9,142931,37529
Stirling4£9,248830,8843
Suffolk9£9,049733,81626
Surrey36£7,6831034,31445
Tyne and Wear21£8,142840,17147
Warwickshire2£13,142733,9885
West Lothian2£13,025518,3442
West Midlands28£8,073849,36743
West Sussex15£7,2241052,68844
West Yorkshire52£7,3941042,45689
Wiltshire9£8,992941,26916
Worcestershire9£8,666848,21718
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