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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
All1,553£36,332545,6832,663
Aberdeen City8£44,312431,88517
Aberdeenshire1£31,995649,700-
Ards1£29,950761,000-
Ballymena2£14,9951196,0753
Banbridge1£32,995464,000-
Bedfordshire38£27,627769,15969
Berkshire58£44,998330,907120
Bristol23£44,917329,97439
Bromley - Greater London20£45,219322,02629
Buckinghamshire27£35,547547,69330
Caerphilly1£6,49510128,8102
Cambridgeshire43£35,966550,36168
Cardiff8£50,932323,81712
Ceredigion1£32,995554,5233
Cheshire36£46,986217,12661
City of Edinburgh15£35,455547,10027
City of London - Greater London50£46,825326,039114
Coleraine2£48,995119,129-
Cookstown1£31,440560,000-
Cornwall4£49,408215,26419
County Durham11£39,529457,72220
Craigavon1£28,995546,000-
Croydon - Greater London5£24,913869,2921
Cumbria1£36,450542,000-
Derbyshire23£41,676443,55437
Devon28£36,551643,36538
Dorset28£38,278542,55243
Down3£41,817324,013-
Dundee City5£53,250217,21820
Dungannon5£35,478542,3192
East Riding of Yorkshire11£46,229226,39633
East Sussex14£43,390326,67525
Enfield - Greater London1£24,490864,585-
Essex37£35,868542,60897
Falkirk2£38,110643,7113
Fermanagh1£38,950330,5362
Fife3£18,9961072,1424
Flintshire4£18,911975,9664
Glasgow City8£36,560440,84332
Gloucestershire9£44,082552,62736
Greater Manchester72£28,028763,23486
Hampshire31£34,781648,49882
Haringey - Greater London3£41,385436,2337
Harrow - Greater London2£26,893664,286-
Havering - Greater London5£22,697886,6586
Herefordshire1£29,848631,5011
Hertfordshire55£45,762329,38186
Highland17£42,992427,22423
Hillingdon - Greater London3£24,993868,3793
Hounslow - Greater London1£21,000880,0004
Kent50£42,127436,45495
Lambeth - Greater London1£34,995563,5502
Lancashire31£38,776545,57547
Leicestershire52£46,504335,66682
Limavady1£37,495320,000-
Lincolnshire51£40,061438,24295
Lisburn2£34,74052701
Magherafelt5£30,806673,6004
Merseyside6£20,505989,0826
Merthyr Tydfil2£7,49515136,5002
Monmouthshire2£6,24515114,5003
Newry and Mourne8£35,518447,7244
Newtownabbey1£22,995786,4372
Norfolk30£42,886432,80833
North Ayrshire1£33,898425,583-
North Down2£29,248649,0524
North Lanarkshire1£39,390419,560-
North Yorkshire65£47,818323,659126
Northamptonshire19£41,377439,10044
Northumberland1£14,9991159,0001
Nottinghamshire24£36,318547,98432
Omagh1£38,795351,582-
Oxfordshire22£40,478432,73128
Perth and Kinross2£48,495325,85518
Redbridge - Greater London2£36,995440,000-
Renfrewshire1£31,110469,9551
Richmond upon Thames - Greater London2£40,595333,853-
Shropshire12£40,856442,7009
Somerset16£38,165536,46829
South Lanarkshire1£49,29827,5281
South Yorkshire26£39,355435,51859
Staffordshire19£42,848431,08531
Stirling12£49,473215,65618
Strabane2£26,220864,8473
Suffolk26£44,491433,37026
Surrey33£42,095430,81377
Swansea13£46,159323,34515
Tyne and Wear21£48,973322,52323
Warwickshire15£39,307443,92518
West Dunbartonshire1£27,750657,909-
West Midlands84£42,129440,080148
West Sussex24£43,607429,96551
West Yorkshire89£44,156430,491153
Wiltshire31£42,047433,86444
Worcestershire13£44,983437,40020
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