Used Volvo XC90 cars for sale or finance at 10.9% APR

As one of Volvo’s flagship models, the XC90 is stuffed with tech – and there’s a possibility that some of this could misbehave as the car gets older. Generally, the XC90 and other Volvo models have a good reputation for reliability but, for total peace of mind, consider taking out an extended warranty.

Every XC90 sold in the UK is four-wheel drive, so all XC90s have the all-weather grip that you’d expect from a car built to cope with fierce Swedish winters. You’ll find that most large SUVs come with four-wheel drive as standard now.

The Volvo XC90 was crash-tested by Euro NCAP in 2015 and received a glowing five-star score, notably achieving 97% for adult protection – better than any other car tested that year. But Euro NCAP makes its crash tests harder every year, so the XC90’s 2015 rating has now expired. We’d expect the XC90 to achieve a similarly high safety score if it was retested now, as it’s still one of the safest cars on the road.

Yes, all Volvo XC90s have seven seats, including the plug-in hybrid versions. Unlike many seven-seaters, there’s just enough room in the back seats for adults.

Running a big, premium SUV will never be cheap, and the XC90’s cost and complexity means that maintenance may be more expensive than SUVs from non-premium brands. A Volvo dealer will be able to advise you on cost and whether you can pay in monthly instalments.

XC90s are very good cars if you want a luxurious high-riding SUV with plenty of space. Whether you’re buying an XC90 as a family bus or as transport for pampered pooches, there are plenty of practical touches that make life easier. Its soothing driving experience will relax you even if the kids are squabbling, and its all-terrain capability means that the Volvo can keep going even if the asphalt runs out.

With an off-road mode to pump up the ground clearance, plus all-wheel drive and hill descent assist that can creep down steep slopes, the Volvo XC90 is very capable off-road. The off-road mode works below 25mph.

Data suggests that the Volvo XC90 will hold on to roughly 54% of its value after three years and 36,000 miles, which is good if not absolutely class leading.

Yes, the second and third rows of seats both fold flat. For those times where you need huge carrying capacity, the XC90 is absolutely phenomenal. Its 1,856-litre capacity can rival some vans for space.

There’s room in most of the XC90’s seats for a child seat, but only the outer middle seats have Isofix points – so you can have two Isofix car seats and others that are secured by the car’s seatbelts.

Yes, it does have a spare tyre and jack, unless you go for the plug-in hybrid – the spare wheel well is taken up by the battery pack so you get a tyre repair kit instead.