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£19,999

PCP: from £362 pm

HP: from £442 pm

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

VOLVOXC40 1.5 T3 Momentum SUV 5dr Petrol Auto Euro 6 (s/s) (163 ps)

2 VOLVO XC40 reviews

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HPL Preston

01772 581 969^*

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Overview

Mileage:
40,864
Year:
2022
Fuel type: Petrol
Transmission: Automatic
Body type: N/a
Colour: Red
Doors: 5
Engine size: 1.5 L
CO₂ Emissions: 166 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

1 Previous Owner, Air Conditioning, Alloy Wheels, Bluetooth, Cruise Control, DAB Radio, Parking Sensors, Satellite Navigation, 128-Point Check, Assisted Braking System, Electric Windows, Flexible Finance Rates, Full Vehicle Inspection, Full Warranty, HPI Data Check, MOT, Nationwide Warranty Repairs Available At Thousands of Approved Garages, Online Finance Calculator and Application Form on our Website, OVER 500 CARS IN STOCK, Remote Central Locking, Service History

Vehicle features

12.3in Active TFT Crystal Drivers Information Display
12V Socket - Front Tunnel Console and Cargo Compartment
18in Alloy Wheels - 5 Spoke
2-Zone Electronic Climate Control and Rear Air Vents
3 Spoke Tailored Steering Wheel with Chrome Trim
9in Centre Console Portrait Touch Screen
A-Pillar Parking Ticket Holder
Adaptive Brake Lights including High Level LED Brake Light
Adjustable Steering Force
Anti-Theft Alarm including Immobiliser - Volume Sensor and Level Sensor
Autodimming Interior Mirror
Automatic Headlight Levelling System
Automatic LED Headlights with Active High Beam incorporating Day Running Lights
Bluetooth Handsfree System
Care Key with User Defined Top Speed
Centre Console Cupholders and Storage
City Safety
Colour Co-Ordinated Autofolding Heated Power Door Mirrors
Cruise Control
DAB - Digital Audio Broadcasting Radio
Dark Grey Front Grille with Chrome Surround
Drive Mode Settings
Driver Knee Airbag
Dual Stage Driver and Passenger Airbags
Dynamic Chassis
First Aid Kit
Floor

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 12.4%, annual interest rate (fixed) 12.4%, 59 monthly payments of £221.08 followed by 1 payment of £231.08, total cost of credit is £3,274.80*, total amount payable is £13,274.80.

*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 12.4%, annual interest rate (fixed) 12.4%, deposit of £0, 48 monthly payments of £294.92, optional final payment £7,644.00 (inc. £10 option to purchase fee), total cost of credit is £5,800.16†, total amount of credit is £16,000.00, total amount payable is £21,800.16.

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.

Interested in a personal loan instead?

Rates from Representative 6.5% APR on loans of £7,500 to £19,999, with no set up fee and full online journey. Subject to status. Other amounts and rates available. Eligibility criteria apply. Over 18s only. Provided by National Westminster Bank plc trading as NatWest Boxed. AA Financial Services is a credit broker not a lender.

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Vehicle history check

For KV22ZKA

Not recorded as stolen
No third-party trace
0 previous keepers show

The current keeper is not included in the number of previous keepers.

This vehicle has had 1 registered keeper from new. Please note that the keeper is not necessarily the owner, it may be a company vehicle or belong to a third party.
No plate changes
No colour changes

Mileage data available †

Data for this history check supplied: 24/05/2025 at 02:15

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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Source	Date	Mileage
MOT	21/05/2025	41,009
VMC	05/03/2025	40,864