Best used 2018-present Volvo XC40 PCP finance deals

Get behind the wheel of this chunky-but-elegant SUV for much less than you might expect with the best Volvo XC40 deals

Matt Rigby
Jul 16, 2021

If you want an upmarket SUV, you have plenty of choice from brands like BMW, Audi, Mercedes, Jaguar and Lexus. But if you prefer something with a little less overt bling about it, then a Volvo SUV is a great choice.

As with its larger SUV models, Volvo has made the XC40 a safe and sophisticated machine, mixing an understated Scandinavian design with cutting-edge safety tech and top-notch build quality.

The XC40 also offers a comfortable and relaxing driving experience - another trait common to all modern Volvos. What is new with the XC40 is that it’s designed to appeal to younger drivers, so is less conservatively styled than other Volvos - options such as contrasting roof colours or bold-but-effective orange ‘lava’ carpeting really help to make it stand out.

Inside, the nine-inch portrait-aspect touchscreen media system and smart-looking metal and wood veneer trim finishes make the XC40 feel a cut above mainstream SUVs.

Engine choices include a range of turbocharged petrol and diesels, plus a pair of plug-in hybrids and even an electric version, though this last choice is rather pricey when new. Diesel models were discontinued in 2020, and mild hybrid versions of the T4 and T5 petrol were introduced - badged as B4 and B5.

As a used car, the Volvo XC40 is a tempting prospect - early examples are available on BuyaCar from £21,000. They also hold onto their value extremely well, meaning PCP finance monthly payments are low compared with the value of the car. At the moment, you can find them from £0 per month on BuyaCar.

Best used Volvo XC40 finance deals

Volvo XC40 Momentum PCP offers (including Momentum Pro)

The entry-level trim for the Volvo XC40 is the Momentum model, but it’s not exactly what you’d call poorly equipped: 18-inch alloys are standard fit, as is dual-zone climate control, integrated sat-nav and a customisable digital screen in front of the driver that replaces traditional instruments.

Momentum cars (and all others in the range) also get clever safety tech such as automatic emergency braking and assisted steering that can guide you in your lane on a motorway or dual carriageway. It’s a shame, though, that smartphone mirroring for Android Auto or Apple CarPlay is only an optional extra.

But, if you do want a few extra toys, it’s worth seeking out Momentum Pro models, which gain heated front seats, an electrically adjustable driver’s seat, and a heated windscreen.

Nearly new Volvo XC40 Momentum

BuyaCar prices Limited stock

Volvo XC40 Momentum
Used Volvo XC40 Momentum

BuyaCar prices from £21,000
Monthly finance from £0*

Volvo XC40 R-Design PCP offers (including R-Design Pro)

R-Design models beef up the XC40’s looks with a contrasting black roof, high-gloss black bumper and grille, plus dual exhaust pipes. Inside, sporty touches include a perforated leather steering wheel and leather-wrapped gear lever.

As with the XC40 Momentum, the R-Design also has a ‘Pro’ version, which adds the same extras as the Momentum Pro, plus smart 20-inch alloy wheels and electric adjustment for the front passenger seat.

Nearly new Volvo XC40 R-Design

BuyaCar prices Limited stock

Volvo XC40 R-Design
Used Volvo XC40 R-Design

BuyaCar prices from £25,995
Monthly finance from £0*

Volvo XC40 Inscription PCP offers (including Inscription Pro)

Where the R-Design is supposed to be sporty, the Inscription is intended to be more luxurious. As a result, you get a full leather interior, wooden veneer inlays and a crystal gear lever on cars with an automatic gearbox. Also included on Inscription models are front parking sensors and an electrically operated tailgate.

‘Pro’ versions get the same extras as R-Design Pro models, mentioned above.

Nearly new Volvo XC40 Inscription

BuyaCar prices Limited stock

Volvo XC40 Inscription
Used Volvo XC40 Inscription

BuyaCar prices from £28,000
Monthly finance from £0*

Volvo XC40 Recharge P8 PCP offers

The electric version of the XC40 - called the Recharge P8 - offers an awful lot of power and a long range, but it comes at a price. And that price, when new, is almost as much as larger electric SUVs such as the Jaguar I-Pace and Audi e-tron. Going used, however, can help to reduce this cost dramatically.

Furthermore, if you want an electric XC40, you do benefit from an enormous amount of power - 408hp, to be precise - which gives you rapid acceleration, plus a range of almost 300 miles.

*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.


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