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£14,964

PCP: from £269 pm

HP: from £331 pm

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

VolkswagenT-Cross 1.0 TSI SEL Euro 6 (s/s) 5dr

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Hiltop Motors

020 3018 4147^*

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Overview

Mileage:
36,079
Year:
2022
Fuel type: Petrol
Transmission: Manual
Body type: Suv
Colour: Grey
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

1-OWNER, CARPLAY, ALL-LED, 17''.

ONE OWNER FROM NEW | 17'' ALLOY WHEELS | APPLE CARPLAY | ANDROID AUTO | FULL AUTO LED HEADLIGHTS | SATELLITE NAVIGATION SYSTEM | FRONT & REAR PARKING SENSORS | PARTIAL LEATHER SEATS | BLIND SPOT ASSIST | BLUETOOTH AUDIO STREAMING | TWO ZONE CLIMATE CONTROL | ELECTRIC HEATED FOLDABLE MIRRORS | ADAPTIVE CRUISE CONTROL | DAB TUNER | MULTIFUNCTIONAL STEERING WHEEL | RAIN SENSORS | USB CONNECTIVITY | REAR FOLDABLE SEATS | FRONT ARMRESTThis vehicle's specification has been provided by the leading data supplier CAP HPI, which provides vehicle data across the whole of the industry. However, we cannot guarantee the accuracy of any data provided by 3rd Party sources as the specification can sometimes vary. Please check with a salesperson and ensure you physically inspect the vehicle in respect of any items which may affect your decision to purchase. FOR FULL SPEC PLEASE CHECK BELOW.

7-Day Money Back (T&Cs), Home Delivery, Finance & P/X Welcome, Haggle-Free. Call to Arrange Viewing..

Vehicle features

12V Socket - Centre Console
17in Alloy Wheels - Chesterfield
2 x USB-C Connection - USB Charging Sockets in the Rear of Centre Console
3 Rear Three-Point Seat Belts
3-Point Seat Belts in Front with Height Adjustment and Seat Belt Pretensioners
ABS - Anti-Lock Braking System
Adaptive Cruise Control
Airbags - Front Seat Side Impact
Alarm
Automatic Coming-Leaving Home Lighting Function
Automatic Dimming Rear View Mirror
Automatic Hazard Lights Activation Under Emergency Braking
Automatic Post-Collision Braking System
Body Coloured Bumpers
Body Coloured Door Handles
Body-Coloured Door Mirrors with Integrated Indicators
Carpet Mats - Front and Rear
Child Security Locks in the Rear Doors
Climate Control - 2Zone Electronic Air Conditioning with Automatic Air Recirculation and Allergen Filter
Curtain Airbag System for Front and Rear Passengers including Side Airbags in the Front
Decorative Inserts in Dash and Doors - Lizard - Shadow Steel-Black
Discover Media Navigation Infotainment System with We Connect Plus Preparation
Driver Alert System
Driver and Front Passenger Airbag with Front Passenger Airbag Deactivation
Drivers Under Seat Drawer
Drivers and Front Passengers Safety Optimised Head Restraints
Drivers and Front Passengers Sun Visors with Vanity Mirrors
Dusk Sensor - Automatic Driving Lights
ESC - Electronic Stability Control including EDL - Electronic Differential Lock and ASR - Traction Control
Electric Windows - Front and Rear
Electrically Foldable Door Mirrors
Electronic Engine Immobiliser
Front Centre Armrest with Storage Compartment
Front Seat Back Storage Pockets
Front Sport Seats with Height and Lumbar Adjustment
Front Windscreen Washers and Wipers with 4 Speed Intermittent Delay
Galvanised Body
Glovebox
HBA - Hydraulic Brake Assist
Heated Rear Windscreen
Height and Reach Adjustable Steering Wheel
ISOFIX Child Seat Preparation for Two Rear Child Seats - Compactable I-Size
Instrument Lighting - White Adjustable Panel Illumination
Interior Light Delay
LED Headlights
Lane Assist
Lights on Warning Buzzer
Low Washer Fluid Warning Light
Lower Door Sills and Door Pillars in Black
Luggage Compartment Cover
Luggage Compartment Light
Misfuel Prevention Device
Multifunction Computer Includes Visual Gear Change Recommendation for Improved Fuel Consumption
Pan-European Emergency Call Service
Parking Sensors - Front and Rear
Power Assisted Steering - Speed Sensitive
Pre-Crash Preventive Occupant Protection
Radiator Grille with High Gloss Surface and Chrome Strips
Rain Sensor
Reading Lights - Front and Rear x2 Incorporating LED Technology
Rear Bench Seat - Movable and Foldable
Rear Lights Incorporating LED Technology - Except Indicators
Rear Screen Wash-Wipe with Intermittent Wipe
Rear Tinted Glass
Rear Window Aerial
Reflectors in Doors
Remote Central Locking with 2 Remote Folding Keys
Remote Tailgate Unlocking via Key Fob
Rigid Safety Cell with Front and Rear Crumple Zones
Roof Rails - Silver Anodised
Speedo and Rev Counter - Electronic Odometer - Trip - Service Interval Display - Exterior Temperature Gauge and Fuel Gauge
Split Folding Rear Backrests 60-40
Steering Wheel - 3-Spoke - Leather Trimmed - Multifunction and Gear Knob
Storage Compartments in Front Doors
Tailgate with Integrated Rear Roof Spoiler
Three Rear Head Restraints
Tyre Mobility Kit
Tyre Pressure Loss Indicator
Variable Boot Floor
Warning Buzzer and Light for Front Seat Belts if Unfastened
Warning Lights for Open Tailgate and Doors
We Connect Plus Preparation

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 12.4%, 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.

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Vehicle history check

For YA22JJO

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: 08/07/2025 at 04:18

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
RMI MIL'GE	01/08/2023	10,216