Best used 2018-present Volkswagen Polo PCP finance deals

Find all the best deals on the Volkswagen Polo, with PCP finance offers seven different models starting at just over £100 per month

Chris Rosamond
Jun 15, 2021

The Volkswagen Polo is a massively popular supermini icon, and with a reputation for great build quality, reliability and practicality, it’s been a model that other brands have measured their own offerings against for years. That said, many Polo rivals are household names in their own right, with popular models such as the Ford Fiesta, Nissan Micra, Renault Clio and Vauxhall Corsa among the competition.

Plenty of less established alternatives are available in this market, too, offering potential Polo buyers even more food for thought. The Hyundai i20, Kia RioHonda Jazz, Mazda 2, Peugeot 208, Seat Ibiza and Skoda Fabia are all worth considering if you’re looking for a sensible but desirable small car.

It's available exclusively as a five-door version these days, but there’s a Polo trim level to suit every taste and pocket. It’s bang up-to-date as far as safety is concerned, and has an amazing array of optional technology, the likes of which you’d really only expect to find in bigger models. Features like self-parking, a configurable digital dashboard and a panoramic sunroof would have been impressive in a range-topping limo just a few years ago.

Of course, if you choose a top-spec Volkswagen Polo it’s going to cost a bit more than a budget version, but the availability of fab finance deals goes a long way to soften the blow. To help you out, we’ve rounded up the best deals around for all the different trim levels, and with 467 Polos available on BuyaCar with prices starting from just £233 a month, finance on a Polo really can be very affordable. Read on for the best Volkswagen Polo deals around.

Used Volkswagen Polo PCP deals

Volkswagen Polo S deals

The latest Volkswagen Polo S is the entry-level model that looks anything but basic, and its appeal is underpinned by a comprehensive safety package that includes forward collision warning with autonomous emergency braking and pedestrian monitoring - which can slam the brakes on if it thinks you’re going to crash - a speed limiter, driver alert system and automatic headlights. You also get stability control and tyre pressure monitoring, triple rear seatbelts and twin rear Isofix mounts for child seats.

Inside you get an eight-inch touchscreen media display with Bluetooth, a USB socket, digital radio and a CD player with a six-speaker set-up. You’ll be cool as a cucumber with manual air-conditioning fitted as standard, but the 14-inch steel wheels (not pictured above) and black plastic door mirrors won’t do your street-cred much good.

The only engine is a 1.0-litre petrol with 80hp, which means a relatively sluggish 15.5-second 0-62mph time, but insurance and running costs for a Polo don’t come much cheaper than this.

Nearly new Volkswagen Polo S

BuyaCar prices Limited stock

Used Volkswagen Polo S

BuyaCar prices Limited stock

Volkswagen Polo SE deals

Moving up to SE trim is an attractive option for anyone who wants to stay connected, thanks to Volkswagen’s Car-Net ‘App-Connect’ which allows you to mirror your smartphone apps on the eight-inch colour touchscreen. The onboard computer is upgraded with extra features too, and comfort is enhanced with all-round electric windows and electrically adjustable mirrors, and plusher interior fabric with a leather-trimmed steering wheel.

You’ll also be rolling on 15-inch alloy wheels and showing off your painted door mirrors with indicator repeaters, while engine choices include a punchier 95hp 1.0-litre option, which you can also get with an impressively slick ‘DSG’ automatic gearbox. With all that in mind, it’s fair to say the Volkswagen Polo in SE trim provides the best balance of affordability and comfort.

Nearly new Volkswagen Polo SE

BuyaCar prices Limited stock

Volkswagen Polo
Used Volkswagen Polo SE

BuyaCar prices from £11,949
Monthly finance from £0*

Volkswagen Polo Beats deals

Volkswagen calls this Beats version a special edition rather than a trim level, but whatever you call it the Polo Beats turns heads – and ears - thanks to the thumping Beats audio system it comes with. Consisting of an eight-channel amplifier, digital sound processor and a subwoofer in the boot for added bass, you won't be wanting for volume with one of these.

It’s not all about the music though, as the Polo Beats also comes with sharp 16-inch alloys, dark tinted glass and a distinctive stripe along the bonnet and roof. The interior is upgraded too, with front sport seats and Beats logos on the doorsills.

Nearly new Volkswagen Polo Beats

BuyaCar prices Limited stock

Volkswagen Polo
Used Volkswagen Polo Beats

BuyaCar prices Limited stock

Volkswagen Polo R-Line deals

The Polo R-Line trim level switches the focus to sporty styling, so if that’s your thing you’ll want to check out the R-Line styling pack with more aggressive detailing for the front and rear bumpers, as well as the 16-inch grey alloy wheels and LED rear light clusters.

It’s also a chance to get your hands on one of the more powerful engines available with the Polo range, as R-Line models come with a 115hp turbocharged 1.0-litre petrol engine, which is also available in a less powerful 95hp format. If you want to go any faster, you’ll need the Polo GTI hot hatch.

Nearly new Volkswagen Polo R-Line

BuyaCar prices Limited stock

Used Volkswagen Polo R-Line

BuyaCar prices Limited stock

Volkswagen Polo SEL deals

If cruising in luxury is what you seek from your small car, then the Polo SEL should provide everything you could ask for.

The eight-inch touchscreen media system gets an upgrade to include Volkswagen’s Discover Navigation system, while Car-Net ‘Guide and Inform’ brings you access to local traffic conditions, fuel prices and news feeds.

The cabin also gains a dual-zone climate control system - perfect if you’re always fighting with your passenger to set the temperature - while other luxuries include front fog lights that swivel as you turn, plus automatic rain-sensing windscreen wipers.

Nearly new Volkswagen Polo SEL

BuyaCar prices Limited stock

Volkswagen Polo
Used Volkswagen Polo SEL

BuyaCar prices from £16,475
Monthly finance from £0*

Volkswagen Polo GTI deals

We said earlier you'd need the GTI if you wanted to go faster, and thanks to a properly punchy 2.0-litre 200hp engine coupled to Volkswagen’s six-gear automatic DSG gearbox there’s plenty of fun to be had here. It takes just 6.7 seconds to sprint from 0-62mph, and although the Polo GTI lacks a bit of the fun factor of some of its more exciting rivals - namely the Ford Fiesta ST - because that automatic gearbox makes it feel less engaging to drive, it still delivers very grown-up performance and tonnes of all-round ability.

The Polo GTI sits 15mm closer to the ground on lowered sports suspension than the standard Polo, and has the grip and stability to cling onto the road around corners like a limpet.

There’s plenty to enjoy even when you’re not using all the performance, as the Polo GTI comes with bespoke tartan interior fabrics and a sporty leather-trimmed steering wheel with red stitching. There are also four selectable driving modes, and of course, there’s a GTI body kit with aggressive bumpers and a big black honeycomb grill for a sporty look.

Nearly new Volkswagen Polo GTI

BuyaCar prices Limited stock

Volkswagen Polo
Used Volkswagen Polo GTI

BuyaCar prices Limited stock

Volkswagen Polo GTI+ deals

Want the fastest, glitziest Volkswagen Polo? This is it. Take one standard GTI, and throw in special wheels, LED headlamps and an array of the latest technology to make a genuine ‘halo’ car at the top of the Polo line-up and you get the GTI+.

Standard features include Adaptive Cruise Control - which maintains a safe distance behind the car in front when cruising - even if that car slows down or speeds up - keyless entry with a start/stop button, and Volkswagen’s Active Info Display digital dash, which replaces the standard dials with a big 10.3-inch customisable digital display.

At £23,160 for a new one before you’ve added any extras, the price of the GTI+ makes purchasing a nearly new or used model a much more sensible proposition.

Nearly new Volkswagen Polo GTI+

BuyaCar prices Limited stock

Used Volkswagen Polo GTI+

BuyaCar prices Limited stock

*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.


Read more about:

Latest deals

  1. Best used car deals 2022

  2. Best used 2020-present Hyundai i20 PCP finance deals

  3. Best used 2020-present Honda Jazz PCP finance deals