Volvo
XC90
2020
Go
2020 volvo xc90
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FROM
$43,944
MPG
21 city / 30 hwy

Expert Rating

Not Available

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The monthly payment is based on the price of this vehicle assuming it is financed. If you choose to lease, you can also use the payment calculator to determine your lease terms. Default values for financing include: Term of months, APR of , and Sales Tax of . Default values for leasing include: Term of months, Money Factor of , Residual Value of , and Sales Tax of .

2020 Volvo XC90
Lease
$534 / month
Finance
$631 / month
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.0017 for 36 month lease
Incentives
Incentives that help lower the selling price of a vehicle.
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Buying Tips

What you must know before buying the Volvo XC90

John Diether
Automotive Editor - November 5, 2019
  • 2020 XC90 supplies building; 2019s still in stock
  • Rebate up to $6,250 on 2019s; $2,000 on 2020s
  • Lease a 2019 from $445 for 36 months
  • Get 2.99% APR for 60 months + free first payment

What's in store:

The mildly refreshed 2020 XC90 continues arriving at dealers, and healthy cash incentives are already available. Volvo has stated it plans to introduce a hybrid version of the XC90, but there's no release date yet.

The 2019 XC90 remains in decent supply for now. Pricing has improved since the model's introduction, but don't expect major dealer discounting.

Current factory offers vary by region and will remain in effect through December 2, 2019 unless otherwise noted. Examples shown here are for California and other western states.

Cash across the board:

The popular T6 version of the 2019 XC90, which comes standard with all-wheel drive, carries a whopping $6,250 rebate for all buyers.

Rebates on the other 2019 XC90 models range from $2,500 to $4,500. The R-Design and Inscription trims carry the most cash.

Every 2020 XC90 comes with a $1,000 rebate. Select trims carry an additional $1,000 to $1,500 bonus cash. That brings your potential savings a 2020 XC90 to $2,500, a generous amount for this early stage of the model year.

In addition, current Volvo customers will receive a $500 loyalty bonus, or $1,000 toward a lease. This perk is available on both model years.

Free first lease payment:

Once again, the front-drive 2019 T5 Momentum starts at $445 for 36 months (10,000 miles a year) with $4,845 due at signing. The T8 Momentum AWD is available from $655 a month with $5,055 at signing.

The effective monthly cost of these leases is $580 and $795, respectively. Both rank as very good values when you take MSRP into account.

The 2020 T5 Momentum now starts at $489 a month with $4,889 at signing. The effective monthly cost is $625, which falls just short of a good value in our book. We should see an offer we can recommend within the next few months.

Value is somewhat better on the 2020 T8, which goes for $679 a month with $5,079 at signing.

Whichever model you choose, Volvo will waive your first payment up to $750.

Low rate + cash + free first payment:

In addition to the cash offers on a 2019 or 2020 XC90, you can get 2.99% financing for 60 months, or 3.49% for 72 months. What's more, Volvo will waive your first payment up to $750.

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Advertised Lease Deals

T5 Momentum
$489Monthly Payment
Term Length (months): 36
Due at signing: $4,889
Mileage: 10k
MSRP: $50,740
Deal Valid in: Los Angeles
Expiration: 12/2/19
T8 Momentum AWD
$679Monthly Payment
Term Length (months): 36
Due at signing: $5,079
Mileage: 10k
MSRP: $68,640
Deal Valid in: Los Angeles
Expiration: 12/2/19

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

CarsDirect Target Price

Prices vary by style

CarsDirectPricing as of 11/12/19 in 20149
MSRP
$49,345
Sales Price
$47,694
Cash Rebates
$3,750
Target Price
$43,944
Lease Estimate
$534/mo
Finance Estimate
$631/mo

Cash Incentives

Incentive available to most customers and purchasing situations.
RebateAmount
Bonus Cash Allowance (Expires 12/2/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details. $2,000
Bonus Cash Purchase Bonus Cash (Expires 12/2/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Lease purchases are excluded from this incentive $1,750

Financing Incentives

RebateAmount
Bonus Cash Allowance (Expires 12/2/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details. $2,000
Bonus Cash Purchase Bonus Cash (Expires 12/2/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Lease purchases are excluded from this incentive $1,750
Promotional APR Offer Promotional APR programs available for qualified buyers. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Residents residing in qualifying regions of the United States. O.A.C. %Qualification% Retired service loaners and demonstrators are eligible for this program.
Term(s)24 - 6061 - 72
Rate %2.99%3.49%
Eligibility Residents residing in qualifying regions of the United States. O.A.C.
Finance Loyalty Bonus Cash SR Loyalty Bonus - Purchase (Expires 12/2/19) For current owners of the same make who finance with the manufacturer's captive finance company. May not be compatible with certain other incentive types such as Conquest programs. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $1,000

Leasing Incentives

RebateAmount
Bonus Cash Allowance (Expires 12/2/19) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details. $2,000
Lease Loyalty Bonus Cash SR Loyalty Bonus - Lease (Expires 12/2/19) Lease loyalty bonus cash available for current lessees of the same make. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% For current VCFS lease end retention customers, the loyalty allowance in only available with a Lease Payoff. %Qualification% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $500
Hurry! Offer expires

Leases For Similar Cars

Based on 2020 Volvo XC90 T5 Momentum 7 Passenger 4dr Front-wheel Drive - MSRP $49,345

2020 Volvo XC90 Overview

Joel Patel
Automotive Editor

What's New

The 2020 Volvo XC90 gets a refresh for the new model year. Beyond a slightly new exterior design, Volvo’s flagship crossover gets 19-inch wheels, roof rails, and integrated exhaust pipes as standard. Going with the R-Design trim brings black exterior trim.

On the inside, a 12.3-inch display in the instrument cluster is standard, while a six-passenger configuration is now available. Range for the plug-in hybrid version has gone up by one mpg.

Choosing Your Volvo XC90

The XC90 is available in three trims: Momentum, R-Design, and Inscription. Prices start at $49,345 including destination for the Momentum and go up to $74,795 for the Inscription with the plug-in hybrid powertrain.

Engine Choices

There are three different powertrains to choose from with the XC90. All engines come with an eight-speed automatic transmission.

Engine TypeHorsepowerTorqueFuel Economy (Combined)
T5 2.0L Turbo 4-Cylinder250 hp258 lb-ft25 mpg
T6 2.0L Turbo and Supercharged 4-Cylinder316 hp295 lb-ft21 mpg
T8 2.0L Turbo and Supercharged 4-Cylinder Plug-In Hybrid400 hp472 lb-ft27 mpg

The Momentum and R-Design are available with all three powertrains, while the Inscription is only available with the T6 or T8. The T5 can be had with all-wheel drive for $2,500 on the Momentum and R-Design, while the T6 and T8 are exclusively all-wheel drive.

It costs $7,950 to move up to the T6 from the T5 on the Momentum, while the jump costs $5,900 on the R-Design. To get the T8, it costs $10,700 over the T6 across the range.

While not exactly cheap, the T6 powertrain is a much better option than the base T5. Tipping the scales at roughly 4,500 pounds, the XC90 isn’t a featherweight and only having 250 horsepower on tap from the T5 results in mediocre acceleration.

Passenger and Cargo Capacity

The XC90 seats seven as standard, but is available in a six-passenger configuration on Momentum and Inscription trims. With the Momentum, the six-passenger layout is an extra $9,250, but also brings the T6 AWD powertrain; it’s a more reasonable $500 on the Inscription trim.

Cargo capacity in the XC90 measures in at 15.8 cubic feet behind the third row, 41.8 cubic feet behind the second row, and a total of 85.7 cubic feet. These figures make the XC90 one of the more spacious options in the mid-size segment.

Safety Features

Volvo’s iconic for putting safety first. As such, the XC90 comes with a lengthy list of standard safety features. Adaptive cruise control, blind-spot monitoring, a following distance indicator, lane departure warning, rear cross-traffic alert, road departure mitigation, automatic emergency braking, pedestrian detection, lane keeping assist, speed limit recognition, and a driver attention monitor are all standard. Pilot Assist, which is Volvo’s semi-autonomous driver-assist system, is also included.

A head-up display, a surround-view camera, and front and rear parking sensors are available through the Advanced Package ($2,450).

Connectivity

Every XC90 comes with a 9-inch touchscreen that’s oriented vertically on the dashboard and a 12.3-inch display in the instrument cluster. It’s an all-encompassing infotainment system that includes Android Auto, Apple CarPlay, Bluetooth, a wi-fi hot spot, and two USB ports.

Momentum - From $49,345

Standard features on the base Momentum include 19-inch wheels, a panoramic roof, four-zone climate control, synthetic leather upholstery, and a hands-free liftgate. Heated front seats and a heated steering wheel are bundled together for $750. Navigation requires the $1,850 Multimedia Package.

R-Design - From $57,095

The R-Design brings a unique R-Design steering wheel, leather shift knob, aluminum sill molding, and exterior styling. Sport seats, a Harman Kardon audio system, and leather upholstery are also standard. Other standard features include 20-inch wheels and a headlight washing system.

Inscription - From $63,595

The range-topping Inscription adds a special Inscription front grille, wood interior trim, heated and ventilated front seats, and illuminated sill molding. The heated front seats and steering wheel, as the as the Advanced Package, are still optional.

Compare XC90 Trims Side-By-Side

CarsDirect Tip

The 2020 Volvo XC90 isn’t cheap, but its plush interior, smooth ride, and spacious cabin make the cost of entry worth it. The Momentum trim with the T6 powertrain is the sweet spot. We’d spec both available packages, because having more safety features never hurts, and heated seats in a luxury vehicle is a must.

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