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£15,990

PCP: from £289 pm

HP: from £357 pm

What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

VolkswagenT-Cross 1.0 TSI SE 5dr

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Gatehouse Car Sales

01296 832 173^*

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Overview

Mileage:
15,084
Year:
2022
Fuel type: Petrol
Transmission: Manual
Body type: Estate
Colour: Pure white
Doors: 5
Engine size: 1.0 L
CO₂ Emissions: 130 g/km

Please note: Dealers are responsible for the content of their listings and are expected to include all fees in the advertised price. You should always confirm all listing details with the dealer before purchasing.

Vehicle details

Boasting a full service history with its last service completed on 5th February 2025 at 16, 391 miles, this 2022 Volkswagen T-Cross TSI SE offers excellent provenance. This Euro 6 compliant 1.0 litre petrol model comes with a 12 month warranty and MOT valid until July 2026, ensuring peace of mind. Inside, you'll find a manually controlled air conditioning system, adaptive cruise control for effortless journeys, and the Ready 2 Discover infotainment system with Bluetooth connectivity. The SE trim also includes a dusk sensor for automatic driving lights, enhancing convenience and safety.

This Volkswagen T-Cross is designed to be economical and accessible, highlighted by its impressive fuel economy of 50 mpg. Furthermore, its low insurance group and low CO2 emissions indicate that running costs are kept to a minimum, making it a more cost effective choice compared to similar vehicles.

Vehicle features

Automatic hazard lights activation under emergency braking
Black roof rails
Body colour door handles
Body colour door mirrors with integrated indicators
Body coloured bumpers
Dusk sensor + automatic driving lights
Electrically foldable
adjustable and heated door mirrors with reverse activated kerb view adjustment on passenger's side
Front and rear electric windows
Front fog lights with static cornering function
Galvanised body
Heated rear window
LED third brake light
Lower door sills and door pillars in black
Radiator grille with high gloss surface and chrome strip
Rear fog light on one side
reversing light on both sides
Rear lights incorporating LED technology
Rear side wing doors
Rear window aerial
Rear windscreen washer and wiper with interval delay
Reflectors in all doors
Tailgate with integrated roof spoiler
Windscreen wipers/ intermittent wipe + 4 position delay
12V Accessory socket in centre console
3 rear head restraints and 3 rear three point seat belt

Remember to check the details of this car with the dealer before you buy it to make sure that all the information is accurate.

Credit ratings explained

Excellent

You are a home owner
You have been on the electoral roll for a long period of time
You have current credit arrangements and mortgage with no defaults
You have no CCJs, credit arrears or missed payments
You rarely apply for credit
You are employed or self-employed

Good

You are on the electoral roll
You are a home owner or long standing-tenant
You have a stable employment history
You have current credit arrangements with occasional missed payments
You have no CCJs

Fair

You are or have recently been on the electoral roll
You may have recently changed address
You may have occasional missed payments
You may have an old CCJ
You may have regularly applied for credit

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What's the difference between Hire Purchase (HP) and Personal Contract Purchase (PCP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

Personal Contract Purchase (PCP)

PCP is a finance plan where you make equal monthly payments over an agreed term, with a larger final repayment due at the end if you decide to keep the car.

At the end of the agreement, you have three options. You can hand the car back to the finance company (the must be in good condition and within the agreed mileage, otherwise charges may apply), part exchange it for another car on a new agreement (subject to status), or pay the final repayment to own the car.

PCP could be right for you if you're thinking of changing your car in the next few years, or if you're unsure whether you want to buy the car at the end of the agreement.

What is Hire Purchase (HP)?

Hire Purchase (HP)

HP is a finance plan that allows you to spread the cost of the car by making monthly payments over an agreed term.

You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you'll own the car.

Unlike PCP, there are no limits on mileage.

HP could be right for you if want to own the car at the end of the agreement, without the need to make a larger final payment.

For this vehicle you have selected only HP is available.

All this will be explained in more detail when you speak with one of our friendly agents, once you have completed your application.

Hire Purchase

PCP

Amount to borrow
Monthly payments
Illustrative APR
Total amount payable

Amount to borrow
First payment
Monthly payments
Final payment
Illustrative APR
Total amount payable

Representative example:

Borrowing £10,000 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, 59 monthly payments of £223.33 followed by 1 payment of £233.33, total cost of credit is £3,409.80*, total amount payable is £13,409.80.

*The representative example includes an estimated option to purchase fee of £10. This is subject to status and although fees may vary in amount and when payable, the total cost of credit and APR received will not alter. This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status.

Borrowing £16,000.00 at a representative APR of 12.9%, annual interest rate (fixed) 12.9%, deposit of £0, 48 monthly payments of £299.67, optional final payment £7,645.00 (inc. £10 option to purchase fee), total cost of credit is £6,029.16†, total amount of credit is £16,000.00, total amount payable is £22,029.16.

Representative Example is for AA PCP agreement for a Ford Focus Estate with a contract mileage of 10,000. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). This quotation is not a binding offer to enter into a finance agreement.

†AA PCP AA Car Finance is provided by Evolution Funding Ltd. Used Car Sites Limited, on behalf of AA Financial Services Limited, introduces you to Evolution and are each acting as credit brokers and not lenders. AA Financial Services Limited receives a commission from Evolution Funding Ltd, which can vary based on the lender and vehicle selected. By submitting an application for car finance you consent to the commission being paid and acknowledge AA Financial Services Limited is not acting impartially.

This representative example is for illustration purposes only and does not constitute an offer. Written quotations are available on request and finance is subject to status. Terms and conditions apply. A guarantee may be required. Over 18's only. This service is provided by Evolution Funding Limited who are authorised and regulated by the Financial Conduct Authority for credit brokerage, FCA number is 823324. Evolution Funding Limited are a credit broker, not a lender. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers and they may provide an incentive to do so.

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Understanding finance

Vehicle history check

For DF72JXX

Not recorded as stolen
No third-party trace
1 previous keeper show

There are PREVIOUS KEEPER CHANGES recorded against this vehicle. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.

Number Of Previous Keepers 1

Date Of Last Keeper Change 01/02/2023
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 28/10/2025 at 03:14

What's not included?

Outstanding finance details
Estimated cost of vehicle ownership
MOT history & common failures*
Full vehicle specification
Mileage discrepancies*
Market valuation*
Vehicle Tax Check

*Provided where available

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Category write-offs

A vehicle that has been in an accident will be assessed by insurance companies and assigned a category: A, B, S or N. However, we only list Cat S or N cars as Cat A and B cars are not roadworthy and safe.

Category S (formerly Category C)

The 'S' in Cat S stands for structural damage. This means the vehicle has damage to its structure/chassis, which is more than just cosmetic damage. But the vehicle can be professionally repaired, making it safe and roadworthy.

Category N (formerly Category D)

Similarly, the 'N' in Cat N stands for non-structural damage. Here, the vehicle has sustained damage, but it has not affected the structure/chassis. A Cat N car is safe to drive as the damage could be minimal/cosmetic.

Buying a written-off vehicle:

Do a full vehicle history check to identify category vehicles.
Make sure to check with the dealer if a Cat S/N vehicle has been professionally repaired.
Book a vehicle inspection and our experts will look over a Category vehicle for you.

Source	Date	Mileage
MOT	05/09/2025	18,084
MOT	15/07/2025	17,931