Car Finance Options

Volvo provides a variety of flexible finance options tailored to suit your needs. Our team is here to guide you through the process, ensuring a seamless and straightforward experience.

Purchase

Enjoy a variety of services when you purchase your Volvo.

Purchasing outright

Buying your Volvo outright online is straightforward. Just place a deposit, complete the payment before delivery, and take ownership.

Full payment

Pay upfront and drive away with complete ownership of your new Volvo.

Drive without limits

With full ownership, there are no mileage limits.

How purchasing works

Order your Volvo

Customise and order your new Volvo online, tailored to your exact preferences, and it’s yours once the transaction is complete.

Pay a partial deposit towards it

A partial deposit will be required, which will be deducted from your final invoice.

Pay the remaining balance

When the car is ready for delivery, you’ll pay the remaining balance, with the partial deposit already accounted for.


Personal Contract Purchase (PCP)

A flexible choice when your contract ends, including the option to keep the car with an optional final payment.

Flexible terms

Drive your Volvo for a fixed duration, with the flexibility to either retain, return, or renew at the end.

Optional final payment

With part of the vehicle cost deferred, your monthly payments could be lower throughout the term.

Take ownership of your Volvo

If you wish to own the car at the end of the agreement, just pay the optional final payment, and it’s yours.

How Personal Contract Purchase works

Set the terms for your contract

Your contract can be tailored to suit your needs, taking into account the vehicle, your expected annual mileage, and the length of the agreement.

Decide between three options

When your contract ends, you have the option to return the car with no further payment, part-exchange it for a new vehicle, or pay the final payment to keep the car.


Lease (Personal Contract Hire)

Enjoy your Volvo for a fixed contract duration, and return it to us at the end of your agreement.

Lower monthly cost

With our flexible car lease terms, committing for a longer duration can lower your monthly cost.

Designed around you

Your car lease contract can be tailored to meet your personal needs, maximising the value over the duration of the contract.

No equity risk

Our flexible car lease options can be customised to meet your needs, giving you the best value throughout the term.

How Personal Contract Hire works

Agree the length of the contract

Choose the contract length that works best for you, and optionally make an advance payment to lower your monthly payments.

Tailor the contract

Your lease contract can be customised to suit your needs, taking into account the vehicle, estimated annual mileage, contract duration, and any additional services you may require.

Give back the vehicle at the end of the term

Once the term is up, return the car with no concerns about depreciation or resale.


Volvo Loan

Buy your Volvo at your own pace by spreading monthly payments over an agreed term.

Pay in manageable instalments

Buy your car and choose an instalment plan that works for you.

Fixed interest rate

A fixed interest rate ensures predictable payments, making budgeting easier.

Secure your Volvo at a pace that suits you

Tailor the length of your payment plan to suit your needs, and the car will be yours once fully paid.

How Volvo Loan works

Set the amount of finance that works for you

Choose your preferred finance option for the full purchase price, with a minimum deposit of £500 required. A higher deposit will reduce your monthly payments.

Decide on the loan period

Choose the length of time over which you’d like to spread the payments. With a fixed interest rate, you’ll know exactly how much you’ll repay at each stage.

Complete all payments

The Volvo Loan agreement is secured against the car, and full ownership is transferred once all payments have been made. There are no annual mileage limits during the loan term, but you will be responsible for insurance, servicing, and other running costs.


Compare Car Finance Options

Purchase

PCP

Lease (PCH)

Volvo Loan

Highlights

Your own the car Return, exchange or own Return at end You can own the car
No contract length 24-48 months 24-48 months 24-48 months
Unlimited mileage 6-30k annual mileage 6-40k annual mileage Unlimited mileage

Payment

One time payment Monthly payments with
optional final payment
Monthly payments Monthly payments
Partial deposit Partial deposit First month prepayment Partial deposit
No excess fees for wear and mileage Excess fees for wear and mileage Excess fees for wear and mileage No excess fees for wear and mileage
Settlement and termination n/a Early settlement option Early termination fees apply Early settlement option

Included Services

Warranty Warranty Warranty Warranty
Roadside assistance Roadside assistance Roadside assistance Roadside assistance
Home delivery Home delivery Home delivery Home delivery
Digital services Digital services Digital services Digital services
Volvo Cars app Volvo Cars app Volvo Cars app Volvo Cars app
Driveaway insurance Driveaway insurance Driveaway insurance Driveaway insurance
Service Plan Plus ** Service Plan Plus ** Service Plan Plus ** Service Plan Plus **
Extended battery warranty **

** Applies to electric cars only.


Personal Contract Hire (PCH) hire agreement for your new Volvo will be with UK Automotive Solutions Limited. Volvo Car UK Limited will provide you with all support related to the hire agreement.
Volvo Loan and Personal Contract Purchase (PCP) will be handled through our lending partner Volvo Car Financial Services UK Ltd, not available for Sole Trader of Partnerships of 3 or less. We are working on a solution to be able to offer these products.

For further information and full terms and conditions, please visit www.volvocars.com/uk/car-finance/