Car Finance Options

Volvo have created a range of car finance options to cater for the changing needs, circumstances and ambitions of drivers today.

You can stay flexible, commit for longer, or buy your Volvo online. Choose the car finance option that suits you the best.

Yours for keeps

Buying your Volvo outright online is easy. First pay a partial deposit, then the remaining balance will be invoiced before delivery, and the car is yours.

Everything upfront

Making the car yours means you pay everything upfront and you can secure ownership of your own brand-new Volvo.

Drive as you wish

There are of course no mileage limits when you own your car, so you’re free to drive as far as you like.

How it works

Order your car
Order your new Volvo online according to your requirements and specifications. The car will be yours for keeps once the transaction is complete.

Pay a partial deposit
You will pay a partial deposit that will be deducted from your final invoice.

Pay full amount before delivery
When the car is ready to be delivered, it’s time to pay the full amount, minus the already paid partial deposit.

Flexible terms

Drive a Volvo for a fixed period, then choose between one of three options – retain, return or renew.

Optional final payment

Part of the vehicle cost is deferred until the end of the agreement, potentially lowering monthly payments.

Choose to own your Volvo

If you would like to own the car you’ve been driving, just make the optional final payment and it will be yours.

How it works

Set your contract terms
Your contract can be structured to meet your needs based on the vehicle you will be driving, your estimated annual mileage, and the contract duration.

Make one of three choices
When the contract term comes to an end, your first option is to return the car with no further payment required. Your second option is to part-exchange for a new car and contract. Thirdly, you can pay an optional final payment to become the owner of the car.

Make option final payment
If you wish to keep the car and become the owner, you need to pay the optional final payment.

Lower monthly cost

With our car lease offer, you have the option to commit for longer, bringing your monthly cost down in the process.

Tailored to your needs

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

No equity risk

Simply return the car at the end of your contract, with no worry about depreciation or selling the car.​

How it works

Agree contract length
Firstly decide how long you wish to sign up for. Then, decide if you wish to make an advance payment. It’s optional, but can lower your monthly fee.

Tailor the contract
Your lease contract can be structured to meet your needs based on the vehicle you will be driving, your estimated annual mileage, the agreement duration and any additional services you require.

Return car at the end of lease
Once the term comes to an end, you return the car with no further worry about depreciation or selling the car.

All-inclusive*

The car subscription is all-inclusive, providing the essentials you need for driving the Volvo of your choice.

One fixed monthly payment

With our car subscription, the practicalities of driving are covered by making one easy monthly payment.

Change or cancel

You can change your car or cancel your subscription anytime, with 3 months’ notice.

*Your subscription excludes annual car insurance and consumables such as fuel and washer fluid. Charges for speeding, tolls and parking are also excluded. Find out more here. 

How it works

Make fixed monthly payments
With our subscription, you make fixed monthly payments to drive a Volvo of your choice, with no advance payment. You choose which vehicle you would like, along with the mileage that you think most closely fits your needs.

Stay flexible with services included
Service Plan Plus and a wide range of Volvo services including yearly inspection are included in a subscription. 7 days Driveaway insurance is also included, after which you can add permanent cover.

Change or cancel
You can request a change of car or cancel your subscription anytime, with 3 months’ notice.

Spread the cost

Buy your car by repaying the amount payable in instalments that suit your circumstances.

Fixed rate of interest

The certainty of a fixed interest rate means you can confidently budget for future payments.

Own your Volvo at your pace

You decide how long you want to spread the payment of the balance over. The car is yours once all payments are made.

How it works

Decide level of finance
You choose how you want to finance the full purchase price of the vehicle. A minimum partial deposit of £500 is initially required. The higher your deposit, the lower your monthly payments will be.

Decide loan period
You decide over how long you want to spread the payable amount. The interest rate on your loan is fixed, which means you know how much you will repay at every stage of the agreement and can budget accordingly.

Make all payments
The Volvo Loan agreement is secured towards the car, and you will only become the owner of the vehicle once all payments have been completed. During the loan period, there is no annual mileage limit, but you are responsible for insurance, servicing and other running costs.

Compare Car Finance Options

** Applies to electric cars only.

Personal Contract Hire (PCH) or Subscription 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 https://www.volvocars.com/uk/car-finance/