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£13,299

PCP: from £234 pm

HP: from £297 pm

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

VOLKSWAGENT-CROSS 1.0 TSI SE SUV 5dr Petrol Manual Euro 6 (s/s) (95 ps)

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Elite Automotive Ltd t/a Hilton Car Supermarket

01908 906 831^*

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Overview

Mileage:
44,170
Year:
2022
Fuel type: Petrol
Transmission: Manual
Body type: N/a
Colour: Blue
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

Why This Volkswagen T-Cross Wins? This 2022 Volkswagen T Cross TSI SE is a superb example of efficiency, style, and practicality, having been owned by just one careful keeper. Powered by a 1.0 litre Euro 6 petrol engine, it offers excellent fuel economy of 50 mpg and low CO2 emissions. The SE trim enhances comfort and convenience with manually controlled air conditioning, a Dusk Sensor for automatic headlights, and Adaptive Cruise Control for relaxed motorway driving. Stay connected and entertained with the Ready 2 Discover infotainment system and Bluetooth. Its practicality extends to running costs and insurance, as this T-Cross sits in a low insurance group, making it an economical choice for many drivers. Combined with its stylish design and responsive performance, this 2022 Volkswagen T Cross TSI SE offers a well rounded and sensible option for modern motorists. Your Peace of Mind? - Clear vehicle history check - Optional 336-month extendable warranties - Free 12-month AA roadside assistance - Last Serviced, August 2025 | MOT until June 2026 - 5 Day Drive-Away Insurance - No hidden or extra costs, like admin fees Autotraders 2024 Insights: Top 3 T-Cross Buyer Priorities: - Fuel efficiency and low running costs - Comfort and practicality for everyday driving - Advanced convenience features for stress-free journey - This T-Cross delivers on all three, combining economical performance, modern features, and practicality, setting it apart in its class. Stress-Free Next Steps: - Free Part Exchange Valuation - £0 Deposit Car Finance Includes free credit checker - Reserve for £99 Fully refundable - 7-Day Test Drives Book any day of the week

Vehicle features

12V Socket - Centre Console
Pan-European Emergency Call Service
Ready 2 Discover Infotainment System
Rear Window Aerial
USB-C Interface and USB Charging Socket
We Connect Preparation
17in Alloy Wheels - Clayton
Body Coloured Bumpers
Body Coloured Door Handles
Body-Coloured Door Mirrors with Integrated Indicators
Electric Windows - Front and Rear
Electrically Foldable Door Mirrors
Heated Rear Windscreen
Lower Door Sills and Door Pillars in Black
Radiator Grille with High Gloss Surface and Chrome Strips
Roof Rails - Black
Tailgate with Integrated Rear Roof Spoiler
Tyre Mobility Kit
Automatic Dimming Rear View Mirror
Decorative Inserts in Dash and Doors - Pineapple - Deep Iron-Silver
Digital Cockpit Base
Driver and Front Passenger Seat Height Adjustment and Manual Lumbar Adjustment
Drivers Under Seat Drawer
Drivers and Front Passengers Safety Optimised Head Restraints
Drivers and Front Passengers Sun Visors with Vanity Mirrors
Dust and Pollen Filter
Front Centre Armrest with Storage Com

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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Vehicle history check

For MW22ZKJ

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: 07/11/2025 at 03:24

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
BVRLA	18/08/2025	41,373
MOT	28/06/2025	39,741
BVRLA	14/10/2024	30,949
BVRLA	20/12/2023	20,333
RMI MIL'GE	20/12/2023	20,333
RMI MIL'GE	25/04/2023	11,209