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Used Volvo XC90 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 Volvo XC90 on finance

The Volvo XC90 is a popular SUV, appreciated for its luxurious interior, strong safety features, and user-friendly tech. Financing a used one can be a smart move to enjoy these features at a reduced cost. Here's your guide to understanding what’s involved.


Step 1: Assess Your Financial Situation

  • Budgeting: Establish a clear budget, considering all costs (down payment, monthly installments, insurance, etc.)
  • Credit Score: Check your credit score as it significantly impacts your loan's interest rate.

Step 2: Investigate the Vehicle

  • History Check: Use the car’s VIN to run a history check, verifying for any accidents or issues.
  • Physical Inspection: Engage in a detailed examination, ideally with a mechanic, to confirm its condition.

Step 3: Select a Suitable Model

  • Research: Identify the XC90 model and variant fitting your needs and preferences.
  • Test Drive: Ensure the vehicle performs to your satisfaction with a test drive.

Step 4: Explore Financing Options

  • Bank Loans: Investigate loans from banks or credit unions, exploring interest rates and terms.
  • Hire Purchase: Consider a straightforward option like HP, where you pay in installments and own the car after the last payment.
  • PCP: This allows smaller monthly payments with a larger balloon payment at the end if you choose to keep the car.
  • Dealership Finance: Evaluate the financing plans offered by dealerships, considering interest rates and special offers.

Step 5: Price Negotiation

  • Market Price: Familiarize yourself with the average market price of the chosen model.
  • Negotiation: Discuss the price assertively, basing your argument on your market research and the vehicle’s condition.

Step 6: Review and Sign Contract

  • Details: Ensure all negotiated terms, costs, and the agreed-upon rate are accurately listed.
  • Fine Print: Scrutinize all clauses, ensuring you comprehend all elements of the agreement.

Step 7: Insurance and Paperwork

  • Insurance: Acquire a suitable insurance plan before finalizing the deal.
  • Registration: Ensure all paperwork is processed accurately and that the vehicle is registered in your name.

Step 8: Maintain Your Vehicle and Finances

  • Timely Payments: Consistently manage your monthly payments to protect your credit rating.
  • Maintenance: Engage in regular maintenance to preserve the car’s condition and retain its value.

Step 9: Future Considerations

  • Resale Value: Maintain the XC90 well to secure a good resale value.
  • Next Steps: Decide whether you’ll keep the vehicle, upgrade, or switch models at the end of the payment term.

Conclusion

Financing a used Volvo XC90 involves numerous steps, from personal financial assessment to handling paperwork post-purchase. Adhering to this guide ensures a structured approach, aiding in securing a favorable deal and enjoying a smooth ownership experience.

About the Volvo XC90

In the expansive landscape of SUVs, the Volvo XC90 stands as a testament to Scandinavian design, blending understated luxury with top-tier safety and technology.

History and Introduction: Launched in 2002, the XC90 was Volvo's foray into the larger SUV market, quickly becoming an integral part of the UK roads. Its debut model garnered attention for its spacious seven-seat design, combined with a safety record that remains a benchmark.

Design Evolution: The XC90 has seen a few iterations since its inception, with the most striking transformation in its second generation launched in 2015. Here, Volvo transitioned from a boxier design to a more streamlined, modern silhouette without compromising on its characteristic robustness. The signature Thor's hammer LED headlights and a sophisticated cabin replete with tactile materials and digital interfaces further accentuated its modern appeal.

Performance Meets Sustainability: Over the years, the XC90 has offered a range of powertrains. From powerful petrol and diesel engines to the innovative T8 Twin Engine, a plug-in hybrid that demonstrated Volvo's forward-thinking approach towards greener driving solutions.

Navigating Through the Rivals: On British roads, the XC90 competes with titans like the BMW X5, Land Rover Discovery, and Audi Q7. Yet, its unparalleled safety features, combined with its Scandinavian design ethos, give it a distinct identity.

Closing Thoughts: The Volvo XC90 isn't just another luxury SUV; it’s a statement of safety, design, and innovation. It promises not only a comfortable journey but also peace of mind, making it a cherished choice for families and solo drivers alike in the UK.

Volvo XC90 Data by County

Volvo XC90 data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,577£34,829547,9173,449
Aberdeen City6£47,000328,17721
Aberdeenshire1£31,995649,700-
Ards1£29,950761,000-
Ballymena1£17,9959108,0003
Bedfordshire37£29,846763,43481
Belfast1£8,9951568,824806
Berkshire67£43,869433,352126
Brent - Greater London1£23,999850,1001
Bristol29£41,791438,43032
Bromley - Greater London15£47,251320,85830
Buckinghamshire13£31,110665,04934
Caerphilly2£9,74710101,3941
Cambridgeshire43£32,315657,44671
Cardiff8£51,725319,18311
Ceredigion1£32,995554,5234
Cheshire48£44,894323,57145
City of Edinburgh16£35,094647,14522
City of London - Greater London65£44,551332,231121
Coleraine1£48,995118,6191
Cookstown1£31,440560,000-
Cornwall7£38,272537,92613
County Durham10£36,044562,40919
Craigavon1£28,995546,000-
Croydon - Greater London4£25,894864,6162
Cumbria1£36,450542,000-
Derbyshire19£39,398545,72243
Devon27£36,114643,18937
Dorset28£37,672546,59742
Down3£41,817324,013-
Dundee City8£40,281440,56614
Dungannon5£35,738542,3192
Ealing - Greater London1£27,495765,0001
East Riding of Yorkshire15£40,952341,90532
East Sussex16£46,300224,69227
Enfield - Greater London1£24,990864,5851
Essex47£35,829542,16482
Falkirk3£29,072851,5742
Fermanagh1£39,950330,5362
Fife4£20,871969,1074
Flintshire4£18,911975,9664
Glasgow City14£33,475541,44724
Gloucestershire12£46,757339,27039
Greater Manchester72£27,285766,42484
Hampshire37£36,452542,61882
Haringey - Greater London2£37,369445,8808
Harrow - Greater London1£23,795670,971-
Havering - Greater London5£22,697886,6588
Herefordshire1£29,999631,5011
Hertfordshire59£47,436331,25084
Highland15£48,824318,07122
Hillingdon - Greater London1£25,990877,2303
Hounslow - Greater London2£13,3739113,5002
Kent51£41,148439,38295
Lambeth - Greater London1£26,995888,8001
Lancashire39£36,306552,77836
Leicestershire58£46,702335,49778
Limavady1£37,495320,000-
Lincolnshire54£36,743542,73279
Lisburn2£34,740512,3271
Magherafelt4£29,162777,3754
Merseyside8£20,2171097,8146
Merthyr Tydfil2£7,49515136,5002
Monmouthshire2£6,24515114,5003
Newry and Mourne8£35,518447,7246
Norfolk32£41,190436,07638
North Ayrshire1£33,898425,583-
North Down1£31,490545,2735
North Lanarkshire1£39,500419,560-
North Yorkshire39£44,213331,450141
Northamptonshire20£40,693541,79144
Northumberland2£21,999950,735-
Nottinghamshire23£36,872441,78732
Omagh1£39,750351,582-
Oxfordshire16£40,863429,51834
Perth and Kinross6£45,245324,81413
Redbridge - Greater London1£39,990522,0001
Renfrewshire2£27,304568,376-
Shropshire10£42,541443,2348
Somerset15£34,643549,25127
South Lanarkshire1£29,640635,107-
South Yorkshire32£39,460436,12654
Staffordshire17£43,615331,55036
Stirling11£51,089212,18618
Strabane3£25,812867,9732
Suffolk19£48,709325,00628
Surrey39£42,163430,06178
Sutton - Greater London1£10,4951262,0002
Swansea15£41,752426,82814
Tyne and Wear20£50,226323,51721
Warwickshire17£38,064547,64219
West Dunbartonshire1£27,750657,909-
West Midlands83£40,958440,450153
West Sussex17£43,734431,75251
West Yorkshire70£42,382437,241160
Wiltshire36£41,655434,38642
Worcestershire12£47,069427,14323
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