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£14,290

PCP: from £263 pm

HP: from £313 pm

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

VOLKSWAGENT-CROSS 1.0 TSI SE Edition SUV 5dr Petrol Manual Euro 6 (s/s) (110 ps)

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Rockcliffe Cars Limited

01642 906 939^*

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Overview

Mileage:
44,526
Year:
2022
Fuel type: Petrol
Transmission: Manual
Body type: N/a
Colour: Black
Doors: 5
Engine size: 1.0 L
CO₂ Emissions: 131 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

Volkswagen T-Cross 1.0 TSI SE Edition | Euro 6 | Practical & Stylish SUV Rockcliffe Cars are delighted to offer this modern and versatile Volkswagen T-Cross 1.0 TSI SE Edition SUV 5dr Petrol Manual Euro 6 (s/s) (110 ps), registration GF72 BZS, finished in Black and having covered 44, 280 miles. The Volkswagen T-Cross is a compact SUV that combines bold styling with everyday practicality and excellent fuel efficiency. Powered by the lively and economical 1.0 TSI petrol engine, producing 110 ps, and paired with a smooth manual gearbox, it offers a confident and enjoyable drive whether in town or on longer journeys. Fully Euro 6 compliant, this vehicle is ULEZ friendly and ideal for modern motoring. Key Features & Specification: SE Edition Model Touchscreen Infotainment System DAB Digital Radio Bluetooth Hands-Free & Media Streaming Apple CarPlay & Android Auto Cruise Control Front & Rear Parking Sensors Air Conditioning Alloy Wheels Lane Assist Driver Attention Monitoring Automatic Lights Electric Windows & Door Mirrors Multifunction Steering Wheel ISOFIX Child Seat Mounting Points Start/Stop Technology Condition & Drive: This T-Cross is presented in excellent condition both inside and out. The black exterior gives the car a smart and contemporary look, while the interior remains clean, comfortable and well maintained. On the road, it drives exactly as you would expect from a Volkswagensmooth, responsive and reassuring, with great visibility and low running costs. Why Buy From Rockcliffe Cars? Fully HPI checked Thorough pre-delivery inspection Competitive finance options available Part exchange welcome Extended warranty options for added peace of mind Friendly, professional and pressure-free service This Volkswagen T-Cross SE Edition represents a fantastic opportunity to own a modern, economical and stylish SUV with an excellent level of specification. Rockcliffe Cars Master Rd, Thornaby, TS17 0BE Telephone: 01642906939 Viewings and test drives are highly recommended. Contact Rockcliffe Cars today to avoid disappointment.

Vehicle features

12V Socket in Centre Console
16in Alloy Wheels - Belmont
3-Point Seat Belts - Outer Rear with ECE Label
ABS - Anti-Lock Braking System
Adaptive Cruise Control
Additional Reading Lights in Rear
Airbags - Driver
Alarm with Interior Protection
Anti-Theft Wheel Bolts
Automatic Coming-Leaving Home Lighting Function and Daytime Running Lights
Automatic Dimming Interior Rear View Mirror
Black Roof Rails
Blind Spot Detection
Bluetooth Mobile Phone Interface
Body Coloured Bumpers with Chrome Trim
Body-Coloured Exterior Mirror Housings and Door Handles
Central Locking System with SAFELOCK - Radio Remote Control and 2 Remote Control Folding Keys
Child Seat Anchor for Child Seat System - i-Size 2x Top Tether and Child Seat Anchor in Front Passenger Side
Curtain Airbag System for Front and Rear Passengers including Side Airbags in Front
DAB - Digital Radio Reception
Decorative Inserts
Diversity Antenna for FM Reception
Door and Side Trim Panel
Driver Alert System - Fatigue Detection
E-Sim Card for

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 11.9%, annual interest rate (fixed) 11.9%, 59 monthly payments of £218.83 followed by 1 payment of £228.83, total cost of credit is £3,139.80*, total amount payable is £13,139.80.

*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 £19,000.00 at a representative APR of 11.9%, annual interest rate (fixed) 11.9%, deposit of £0, 48 monthly payments of £359.86, optional final payment £8,150 (inc. £10 option to purchase fee), total cost of credit is £6,423.28†, total amount of credit is £19,000.00, total amount payable is £25,423.28.

Representative Example is for AA PCP agreement for a Ford Focus 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 GF72BZS

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 31/03/2025
No plate changes
No colour changes

Mileage data available †

Not an insurance write-off

Data for this history check supplied: 23/01/2026 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

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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	16/12/2025	44,104
BVRLA	28/01/2025	38,966
BVRLA	07/06/2023	15,257