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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
All1,575£36,309545,5933,307
Aberdeen City7£46,535327,50515
Aberdeenshire1£31,995649,700-
Ards1£29,950761,000-
Ballymena1£11,9951284,1504
Ballymoney1£10,9901083,3291
Banbridge1£32,995464,000-
Bedfordshire40£27,673770,56872
Belfast2£36,7403149674
Berkshire60£45,311329,604115
Bristol23£42,274437,81940
Bromley - Greater London14£44,129324,36531
Buckinghamshire25£35,751548,08132
Cambridgeshire49£37,237546,11865
Cardiff9£45,941430,67111
Carrickfergus1£30,999462,101-
Ceredigion1£31,995554,5233
Cheshire36£45,638319,47962
City of Edinburgh17£35,265548,51525
City of London - Greater London54£44,608329,340108
Coleraine2£48,995119,143-
Cookstown1£31,440560,000-
Cornwall7£50,508215,05218
County Durham13£39,063454,77418
Craigavon1£28,995546,477-
Croydon - Greater London5£24,913869,4301
Cumbria1£36,450542,000-
Derbyshire25£40,512438,26138
Devon31£40,044534,40438
Dorset27£37,446546,72542
Down3£41,817324,013-
Dundee City4£50,063323,86422
Dungannon5£35,238542,3192
East Riding of Yorkshire10£46,813225,18433
East Sussex16£44,025326,38924
Enfield - Greater London1£24,490864,585-
Essex38£34,992644,91796
Falkirk1£27,990961,7364
Fermanagh1£38,950330,5362
Fife3£18,9961072,1424
Flintshire2£16,1001087,7426
Glasgow City8£34,798540,95027
Gloucestershire9£43,770552,82834
Greater Manchester72£27,484764,52293
Hampshire32£34,422648,12582
Haringey - Greater London2£39,684437,8508
Harrow - Greater London2£26,893664,286-
Havering - Greater London5£22,697886,6585
Hertfordshire60£44,785331,34583
Highland16£44,085422,58225
Hillingdon - Greater London3£23,829866,6373
Hounslow - Greater London1£21,000880,0004
Kent48£42,810434,62494
Lambeth - Greater London1£34,995563,5502
Lancashire34£38,709445,64248
Leicestershire57£45,291336,69981
Limavady1£37,495320,000-
Lincolnshire48£40,674435,27394
Magherafelt7£29,304677,1434
Merseyside5£23,212984,2987
Merthyr Tydfil2£7,49515136,5002
Monmouthshire2£6,24515114,5002
Newry and Mourne8£35,518447,7244
Newtownabbey2£15,4951191,2192
Norfolk32£42,569432,63933
North Ayrshire1£33,898425,583-
North Down1£26,995652,8305
North Lanarkshire2£44,194315,681-
North Yorkshire66£46,951325,432123
Northamptonshire18£40,537541,31147
Nottinghamshire23£36,448547,89433
Omagh1£38,795351,582-
Oxfordshire21£40,310433,87227
Perth and Kinross2£48,495325,85517
Redbridge - Greater London2£35,495537,0001
Renfrewshire1£31,110469,9551
Richmond upon Thames - Greater London2£40,095333,853-
Shropshire10£40,227442,90310
Somerset20£40,381431,33927
South Lanarkshire1£49,99827,5281
South Yorkshire22£40,791434,57058
Staffordshire19£40,873435,19928
Stirling12£49,556215,71917
Strabane3£30,478655,6323
Suffolk26£43,939334,57223
Surrey34£42,266431,53973
Swansea12£47,895322,15217
Tyne and Wear20£50,537319,28526
Warwickshire12£38,406447,47121
West Dunbartonshire1£27,750657,909-
West Midlands91£42,012439,368145
West Sussex20£44,335329,86252
West Yorkshire93£43,330432,025151
Wiltshire30£41,108435,86639
Worcestershire12£46,733435,68319
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