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£22,240

PCP: from £419 pm

HP: from £497 pm

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

VOLVOXC40 2.0 B3 MHEV Core SUV 5dr Petrol Hybrid DCT Auto Euro 6 (s/s) (16

2 VOLVO XC40 reviews

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Dace Specialist Car Centre

0161 623 2961^*

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Overview

Mileage:
49,910
Year:
2023
Fuel type: Hybrid
Transmission: Automatic
Body type: N/a
Colour: Black
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

FINISHED IN STUNNING METALLIC ONYX BLACK, COMPLIMENTED WITH 2 TONE BLACK AND GREY CLOTH SEATS + HIGH QUALITY HYBRID SUV - 1 OWNER FROM NEW, COMES WITH A VOLVO MAIN DEALER SERVICE HISTORY AND THE BALANCE OF VOLVOS MANUFACTURERS WARRANTY + VIRTUAL COCKPIT DIGITAL DASH DISPLAY + SATELLITE NAVIGATION VIA PHONE CONNECTION + APPLE CARPLAY / ANDROID AUTO + BLUETOOTH CONNECTIVITY INCLUDING MEDIA STREAMING + APPS CONTROL + DAB DIGITAL RADIO + ECO STOP/START SYSTEM + DUAL ZONE CLIMATE CONTROL + AIR CONDITIONING + LEATHER MULTIFUNCTIONAL LEATHER STEERING WHEEL + VOICE COMMAND + IN CAR ENTERTAINMENT WITH TOUCH SCREEN MEDIA DISPLAY + AUTOMATIC LED HEADLIGHTS + CRUISE CONTROL + PARKING SENSORS + PRIVACY GLASS + ELECTRIC TAILGATE + LED DAY TIME RUNNING LIGHTS + ELECTRIC HEATED POWER FOLDING DOOR MIRRORS + AUTOMATIC WIPERS WITH RAIN SENSOR + FRONT AND REAR ELECTRIC WINDOWS + 18 INCH ALLOY WHEELS.. ***NOT SURE YOURE ELIGIBLE FOR CAR FINANCE? CHECK TODAY USING THE FREE CAR FINANCE CHECKER ON OUR WEBSITE.*** Dace Motor Group have a dedicated team of finance experts waiting to help with your enquiry. Over the past 30 years we have forged relationships with the countrys largest and best finance houses. We are specialists in Hire Purchase (HP), Personal Contract Purchase (PCP) as well as assisting those with poor credit or previous credit problems. ------------ABOUT US------------ At Dace Specialist Car Centre Stockport, we are very proud to have been named the first Trading Standards Approved Car Retailer, with process and procedures developed with and applauded by them. We do recommend that customers RESERVE their choice of vehicle prior to making their trip to avoid potentially missing it. Visit our website https:/ dealer's website At Dace Specialist Car Centre Stockport we carry 700 cars in group stock. - TO ENQUIRE OR RESERVE PLEASE CALL 01616232961 - ------------WARRANTY------------ Unlike most car dealerships who provide limited cover warranties through an anonymous third-party provider, we provide our own unrivalled, nationwide cover on every car. So, when you need assistance the most, you will be helped by the staff who you already know. + 3 MONTHS WARRANTY FREE + EXTENDED WARRANTIES AVAILABLE + ------------ADVERT ACCURACY------------ Although we make effort to ensure the description of our vehicles is accurate, mistakes can happen. We are human after all! So, whether it is the exact specification of a vehicle you need clarifying, the service history dates and mileages, even the colour shade please speak to a member of our sales team and they will happily confirm all you need to know about this car. PLEASE NOTE our adverts can never be cited as the reason you have brought a car incorrectly, as no purchase can be completed without the customer physically examining the car. As such, the physical viewing and documentation provided for the vehicle is deemed to be the basis for the sale, not an advertisement that may on occasion contain an error.

Vehicle features

12.3in Progressive Driver Display
12v Socket - Front Tunnel Console and Luggage Compartment
18in Alloy Wheels - 5 Spoke
2-Zone Electronic Climate Control with CleanZone Air Quality System with Pollen Filter
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
Apple CarPlay - Wired
Autodimming Interior Mirror
Automatic Headlight Levelling System
Automatic LED Headlights with Active High Beam incorporating Day Running Lights
Bluetooth Handsfree System
Centre Console Cupholders and Storage
City Block Textile - Grey Malange
City Safety
Colour Co-Ordinated Autofolding Heated Power Door Mirrors
Cruise Control
DAB - Digital Audio Broadcasting Radio
Dark Grey Front Grille with Chrome Surround
Driver Knee Airbag
Dual Stage Driver and Passenger Airbags
Dynamic Chassis
First

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 MC72VXW

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 †

Not an insurance write-off

Data for this history check supplied: 13/11/2025 at 03:22

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	19/09/2025	50,442