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£28,795

PCP: from £544 pm

HP: from £643 pm

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

VolvoXC40 B3 MHEV Plus

2 Volvo XC40 reviews

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Mccarthy Cars 72-74 Mitcham Road

020 3018 2659^*

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Overview

Mileage:
17,950
Year:
2022
Fuel type: Hybrid
Transmission: Automatic
Body type: Suv
Colour: Thunder grey
Doors: 5
Engine size: 2.0 L
CO₂ Emissions: 152 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

Every Vehicle is Subjected To a Rigorous RAC Approved 82 Point Buysure Inspection and is supplied Fully Serviced With a RAC Platinum Parts and Labour Warranty, 1 Years MOT, 12 Months RAC Roadside Assistance including and HPI Checked, Admin Fee May Apply, 4 Years RAC Platinum Parts and Labour Warranty Available, Over 200 Cars in Stock, Finance Available, No Deposit Required, Part Exchange Available. McCarthy Cars Are RAC Approved and Highly Recommended By Them, Have Complete Peace Of Mind With The McCarthy Cars and RAC Buysure Programme.Available extras include Privacy Glass, Bluetooth, Sat Nav, DAB Radio, Front and Rear PDC Parking Aids, Leather Interiors and Heated Seats.McCarthy Cars are a Multi Award Winning Car Dealership and Most Loved Business in Croydon. Find Us On Facebook, You Tube and Twitter @mccarthycarsuk. McCarthy Cars, A Family Run Business Established 50 Years Ago, Open 7 Days a Week. CR0 3RG, 02030182659 / 02030182659 dealer's website sales dealer's website

Vehicle features

Connect Textile-Microtech - Charcoal
Dark Tinted Windows - Rear Side Windows and Rear Screen
Thunder Grey
12v Socket - Front Tunnel Console and Luggage Compartment
9in Centre Console Portrait Touch Screen
Bluetooth Handsfree System
DAB - Digital Audio Broadcasting Radio
Google Automotive Services
High Performance Sound
Roof Antenna
Volvo Cars Services with App
Wireless-Inductive Mobile Phone Charging
Cruise Control
Front Park Assist
Rear Park Assist
Rear Park Assist Camera
Road Sign Information Display
Tyre Pressure Monitoring System
18in Alloy Wheels - 5 Double Spoke - Diamond Cut - Black
Autodimming Exterior Rear View Mirrors
Colour Co-Ordinated Autofolding Heated Power Door Mirrors
Dark Grey Front Grille with Chrome Surround
Front and Rear Power Windows
Heated Windscreen
Locking Wheel Nuts
Roof Rails - Integrated Silver
Roof Spoiler
Tyre Sealant Kit and Compressor
Automatic Headlight Levelling System
Automatic LED Headlights with Active High Beam incorporating Day Running Lights
Front LED Foglights
Home Safe and Approach Lighting
Puddle Lights
12.3in Progressive Driver Display
2-Zone Electronic Climate Control with CleanZone Air Quality System with Pollen Filter
3 Spoke Tailored Steering Wheel with Chrome Trim
Advanced Interior Air Cleaner PM 2.5
Ambient Front Door and Instrument Panel Lighting
A-Pillar Parking Ticket Holder
Autodimming Interior Mirror
Centre Console Cupholders and Storage
Climate Pack
Flexible Load Floor with Grocery Bag Holder
Floor Mats
Front Aluminium Tread Plates
Front Door Pocket and Front Cupholder Illumination
Front Footwell Illumination
Front Reading Lights and Theatre Lighting
Front Seat Cushion Extensions
Front Tunnel Pocket
Glovebox Bag Hook
Glovebox Compartment Illumination
Handsfree Tailgate Opening-Closing
Heated Front Seats
Heated Rear Seats - Outer Positions
Heated Steering Wheel
Height Adjustable Passenger Seat
Height and Reach Adjustable Steering Column
Height and Tilt Adjustable Driver Seat
High Gloss Black Centre Screen Surround Deco
High Gloss Centre Tunnel Deco
Illuminated Vanity Mirrors with Ticket Holder
Integrated Waste Bin
Load Protection Net
Luggage Compartment Illumination
Multi-Directional Lumbar Support
Power Driver Seat with Memory for Seat and Exterior Mirrors
Rain Sensor - Automatic Windscreen Wiper Activation
Rear Armrest with Cupholders
Rear Reading and Courtesy Lights
Steering Wheel Remote Infotainment Controls
Tailgate Illumination
Underfloor Luggage Compartment Storage
Urban Grid Inlays
Versatile Split Folding Rear Seats - 60-40
Adjustable Steering Force
Dynamic Chassis
Speed Limiter
Speed Sensitive Steering
Adaptive Brake Lights including High Level LED Brake Light
Anti-Theft Alarm including Immobiliser - Volume Sensor and Level Sensor
Care Key with User Defined Top Speed
City Safety
Driver Awareness
Driver Knee Airbag
Dual Stage Driver and Passenger Airbags
First Aid Kit
High Gloss Silver Front and Rear Skid Plate
Hill Descent Control
Hill Start Assist
IC - Inflatable Curtains - Full Length
ISOFIX Attachment - Outer Rear Seats
Key Integrated Remote Control Central Locking including Fuel Flap with Deadlocking System and Auto Open-Close Power Windows
Keyless Drive - Keyless Entry and Keyless Start
Lane Keeping Aid with Driver Alert Control
Oncoming Lane Mitigation
Passenger Airbag Cut-Off Switch
Power Child Locks - Rear Doors
Power Parking Brake with Auto Hold Function
Private Locking for Tailgate
Run-Off Road Mitigation
Run-Off Road Protection
Seatbelt Reminder and Pretensioners
SIPS - Side Impact Protection System
SIPS Airbags - Front Seats
Slippery Road and Hazard Light Alert
Stability and Traction Control
Vehicle Deceleration Control
Visible VIN Plate
Warning Triangle
WHIPS - Whiplash Protection System - Front Seats

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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Make your Car Finance product selection below

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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Vehicle history check

For MM22XZT

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 25/09/2025
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 03/10/2025 at 07:43

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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Buy with the AA

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12 months free breakdown cover (or discounted upgrade if you're an AA member) and £75 off a Service & MOT. T&Cs apply

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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	19/07/2025	16,599