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Car Finance Options

We created our car finance options to cater for the changing needs, circumstances and ambitions of drivers today. Choose the car finance option that suits you the best.

A digital graphic to represent finance option: Personal Contract Purchase (PCP)

Contract Purchase (PCP/BCP)

A flexible choice for business & retail customers, with multiple options when your contract ends.

About PCP/BCP
A digital graphic to represent finance option: Volvo Loan

Volvo Loan

As a retail customer, you can buy your Volvo at your own pace by spreading monthly payments over an agreed term.

About Volvo Loan
A digital graphic to represent finance option: Subscription

Contract Hire

With our Contract Hire option, you lease the Volvo of your choice for a fixed contract period, then return the car to us at the end.

About Contract Hire
A digital graphic to represent finance option: Purchase

Purchase

Purchase a Volvo and enjoy a number of essential Volvo services.

About Purchase

Explore finance offers

Take advantage of exclusive offers on selected models from our plug-in hybrid and fully electric range.

Volvo EX30 standing partly in its own shade on a road in front of a warehouse that the sun is shining on.

Available with 0% APR and a £1,675 finance contribution on Plus and Ultra levels with a Contract Purchase*

Simply select a new EX30 Plus or Ultra stock car ready for delivery, or configure one to your specification. Proceed to the order page and select Personal or Business Contract Purchase, where you will see the £1,675 finance contribution and 0% APR representative in your payment summary. Adjust the contract terms to suit your needs, place your order and look forward to the arrival of your new Volvo.

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Side view of the fully electric Volvo EX40.

Available with 0% APR and up to £2,500 finance contribution with a Contract Purchase*

Simply select a new EX40 Plus or Ultra stock car ready for delivery, or configure one to your specification. Proceed to the order page and select Personal or Business Contract Purchase, where you will see the finance contribution (£2,250 for EX40 Plus, and £2,500 for EX40 Ultra) and 0% APR representative in your payment summary. Adjust the contract terms to suit your needs, place your order and look forward to the arrival of your new Volvo.

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Side profile of the Volvo XC60 Plug-in Hybrid midsize plug-in hybrid SUV with its sculpted design and aerodynamic wheels.

Available with £3,000 finance contribution and 1.9% APR representative with a Contract Purchase*

Simply select a new XC60 plug-in hybrid stock car ready for delivery, or configure one to your specification. Proceed to the order page and select Personal Contract Purchase, where you will see £3,000 deposit contribution and 1.9% APR representative in your payment summary. Adjust the contract terms to suit your needs, place your order and look forward to the arrival of your new Volvo.

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XC90 Plug-in Hybrid

0% APR Volvo Loan and £5,000 off**

Making a minimum deposit of 50% on your Volvo XC90 plug-in hybrid means your APR total will be recalculated to 0% when finalising your order details, with the other 50% payable over 36 months. In addition, you save £5,000. If you don't put down a 50% deposit, you will see £5,000 finance contribution and 2.9% APR representative.

Browse XC90 Plug-in Hybrid
XC40

0% APR Volvo Loan and £3,000 off on XC40**

Making a minimum deposit of 50% on your Volvo XC40 mild hybrid means your APR total will be recalculated to 0% when finalising your order details, with the other 50% payable over 36 months. In addition, you save £3,000.

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* Retail customers only. Event offers apply to selected new cars ordered between 18th February and 11th March 2026. Finance contributions and APR offers vary by model and powertrain. Subject to availability. Contract Purchase (PCP or BCP) provided by Volvo Car Financial Services UK Limited, SL6 4FL. At the end of the Contract Purchase agreement there are 3 options: (i) Renew: Part exchange the vehicle. (ii) Retain: Pay the Optional Final Payment to own the vehicle or (iii) Return the vehicle. Further charges may be made subject to the condition or mileage of the vehicle. Terms apply. Finance subject to status. 18s and over.

**Volvo Loan available on new cars through Volvo Car Financial Services UK Limited, SL6 4FL. Terms apply. Subject to availability. Finance subject to status, 18s and over.

A range of car finance options

At Volvo, we strive to make the process of choosing the right offer as simple and straightforward as possible.

On this page, you can compare car financing options and find the perfect Volvo car finance offer for you.

Compare car finance options

Highlights

You can own the car

24-48 months

Unlimited mileage

Return at the end

24-48 months

5-25k annual mileage

You own the car

No contract length

Unlimited mileage

Payment

Monthly payments

Partial deposit

No excess fees for wear and mileage

Early settlement option

Monthly payments

Initial rental

Excess fees for wear and mileage

Early termination fees apply

One time payment

Partial deposit

No excess fees for wear and mileage

Settlement and termination not applicable

Included services

Connect Plus

Warranty

Driveaway insurance

Volvo Cars app

Roadside assistance

Extended battery warranty

Up to 10 years extended battery warranty

Connect Plus

Warranty

Driveaway insurance

Volvo Cars app

Roadside assistance

Extended battery warranty

Up to 10 years extended battery warranty

Connect Plus

Warranty

Driveaway insurance

Volvo Cars app

Roadside assistance

Extended battery warranty

Up to 10 years extended battery warranty

Applies to electric cars only

Financial option

With PCP and Volvo loan you will need to pay additional Road Tax costs after year one. Volvo loan have a risk of depreciation.

collage of uk sales team

Get help on your buying journey

Our direct-to-consumer model at Volvo Car UK means we have our very own in-house specialist sales team who can offer a personalised, seamless and modern way to choose your new Volvo. Find out more about the team members and request a follow up.

Meet the sales team

Popular cars

How can we help?

Talk to our experts

Call or message one of our experts about our cars and financing offers.

FAQ

Questions and answers regarding our cars and finance options.

Find a retailer

Book a test drive or come by for a visit and talk to our experts.

Existing Personal Contract Hire (PCH) and Subscription hire agreements for your Volvo are 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.

Volvo Loan and Personal Contract Purchase (PCP) are not available for Sole Trader of Partnerships of 3 or less. We are working on a solution to be able to offer these products.