£22,495

From £503 pm

VOLVOXC40 2.0 T5 R-Design SUV 5dr Petrol Auto AWD Euro 6 (s/s) (247 ps)

2 VOLVO XC40 reviews

This vehicle has passed an inspection

View the Vehicle Inspection report

Contact the dealer

Luton Trade Centre Ltd

01582 232 416^*

View all stock at this dealer

* Calls may be recorded for training and monitoring purposes. Please refrain from providing credit/debit card information on these calls. If you do so it is at your own risk.

This dealer has committed to AA Cars Standards | tsi APPROVED CODE™ tradingstandards.uk

Overview

Mileage:
39,172
Year:
2020
Fuel type: Petrol
Transmission: Automatic
Body type: N/a
Colour: Black
Doors: 5
Engine size: 2.0 L
CO₂ Emissions: 191 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

Full Volvo Service History (5 Services), *** EURO 6 - ULEZ COMPLIANT ***, Factory Fitted SENSUS Navigation with 9 Touchscreen, Half Black Leather/Alcantara Interior, Keyless Start, Parking Sensors with Reversing Camera, LED Headlights, 18 Alloy Wheels, Cruise Control with Lane Departure Warning, DAB Stereo with APPLE CarPlay & ANDROID Auto, Bluetooth with BT Audio & USB Connectivity, Dual Zone Climate Control, Power Folding Electric Mirrors, Privacy Glass, Air Conditioning, Multi Function Steering Wheel with Paddle Shift Gear Controls, LED Front Fog Lights, Photochromic Mirror, Front & Rear Electric Windows, Auto Lights, Multiple Airbags, ISOFIX. All our vehicles are HPI clear and have a minimum of 6 months MOT. In addition all of our cars undergo a comprehensive 128 point AA Inspection together with a brake inspection and come with a Warranty. Excellent rates of Finance and decisions within 15 minutes. Click on our website link and fill in an application form or simply give us a call.

Vehicle features

Smartphone Integration includes Apple CarPlay and Android Auto - with 2 Type A x USB Hub
Onyx Black
12.3in Active TFT Crystal Drivers Information Display
12V Socket - Front Tunnel Console and Cargo Compartment
18in Alloy Wheels - 5 Double Spoke Diamond Cut Matt Black
2-Zone Electronic Climate Control with Cooled Glovebox and Rear Air Vents
9in Centre Console Portrait Touch Screen
A-Pillar Parking Ticket Holder
Adaptive Brake Lights including High Level LED Brake Light
Adjustable Steering Force
Ambient Door and Instrument Panel Lighting
Anti-Theft Alarm including Immobiliser - Volume Sensor and Level Sensor
Auto Dimming Rear View Mirror
Autofolding Heated Power Door Mirrors
Automatic Headlight Levelling System
Automatic LED Headlights with Active High Beam incorporating Day Running Lights
Black Headlining
Black Stone Door Mirrors
Black Stone Roof
Bluetooth Handsfree System
Bright Metal Luggage Compartment Threshold
Centre Console Cupholders and Storage
City Safety
Cruise Control
Cutting

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

Finance calculator

Calculate how affordable this VOLVO XC40 could be per month.

My credit score is

Cash price

Deposit

I would like to pay over

Annual mileage

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

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.

Need car finance demystifying?

Let us break it down for you. Finance can be confusing, but we've made it simple.

Understanding finance

Vehicle history check

For RX20NWT

Not recorded as stolen
No third-party trace
2 previous keepers 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 2

Date Of Last Keeper Change 09/09/2025
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 09/01/2026 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

Get peace of mind with an instant full vehicle history check and uncover any potential issues before you buy.

Get a full history check

Selling made easy with a free instant valuation

Enter your reg number below to get a valuation estimate from our trusted partner, Motorway

Please note: if you tap 'Get a valuation', you will be taken directly to the Motorway website.

Buy with the AA

We have carried out a 128 point inspection on this dealers vehicles for your peace of mind.

AA Approved Dealer

This dealer has committed to our AA gold standards of service

AA Cars Standards

Find out more about

AA Cars Standards

Get exclusive AA offers

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

Activate offers

12 months free breakdown cover

Included with this vehicle
Free Accident Assist service available 24/7
Already with the AA? Upgrade your cover for only £10 for the year^

Unlock your offers up to six months after buying one of our vehicles.

Activate cover ^T&C's apply

Get 10% off Car Insurance

Take out a quote today and we will automatically apply 10% discount.

Get a quote today T&C's apply

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	05/12/2025	39,148
MOT	27/06/2025	37,548
MOT	20/05/2024	25,841
MOT	15/05/2023	13,678
DVLA	12/09/2022	9,000
RMI MIL'GE	07/03/2022	7,443
RMI MIL'GE	10/03/2021	2,836