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3/4 Front Glamour 2022 Volvo XC40
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YOUR VEHICLE
Volvo XC40

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Learn More About The Volvo XC40

What you must know before purchasing your XC40. Use this pricing analysis to negotiate the best price with the dealer.

Highlights:

  • 2022 Volvo XC40 arriving; 2021s still in stock
  • Lease: From $429/mo
  • Rebates: Up to $3,000 off 2021s; $2,000 off 2022s
  • Finance: From 0.99% APR

2022 Volvo XC40 arriving; 2021s still in stock

The carryover XC40 continues flowing into dealers, and enough 2021 XC40 models remain on hand to satisfy demand. Interest is still high, so no model stays in stock very long. Dealer discounting is minimal, but factory incentives are available.

The Recharge EV version of the XC40 provides up to 200 miles of range. Buyers are eligible for a $7,500 federal tax credit, and California residents can also get a $1,500 Clean Fuel Reward and $2,000 Clean Vehicle Rebate.

Current factory offers vary by region and will expire November 1, 2021. Examples shown here are for California and other western states. This page is updated monthly, so check back for the latest on pricing and incentives.

Volvo XC40 Lease Deals

Lease from $429/month

The 2021 XC40 T4 Momentum now starts at $429 for 36 months (10,000 miles a year) with $3,929 due at signing.

The effective monthly cost works out to $538, which is rather expensive for this price class in our analysis. But keep in mind the XC40 has never been a reliably good lease value. The larger XC60 is sometimes cheaper to lease.

The current lease offer on the 2021 XC40 Recharge EV is $539 for 36 months with $4,039 due at signing. The effective monthly cost is $651, which is actually a good value given the Recharge's substantially higher MSRP.

As for the 2022 XC40, the T4 Momentum starts at $465 a month with $3,965 due at signing. The 2022 Recharge Plus EV is offered from $589 for 36 months with $4,164 due at signing. Neither of the leases qualifies as a good value, in our book, but terms will probably improve once the 2021s are gone.

Volvo XC40 Rebate Deals

Up to $3,000 off 2021s; $2,000 off 2022s

Current Volvo customers are eligible for a $1,000 loyalty bonus when buying or $500 toward a lease on any 2021 XC40.

There's also a $2,000 purchase bonus on the Recharge. This is your best opportunity for savings so far this year.

As for the 2022 XC40, the Recharge comes with a $1,000 purchase bonus, and the loyalty bonus is available on all trims.

Volvo XC40 Finance Deals

Rates from 0.99% APR

Volvo continues to offer 1.9% financing for 60 months on the gas 2021 XC40. Rates on the Recharge start at 0.99% for 60 months.

You can combine either offer with the $1,000 loyalty bonus if you qualify, but not the Recharge purchase bonus.

The same rates are available on the 2022 XC40, along with the loyalty bonus. Unlike the 2021s, you can combine this offer with the Recharge purchase bonus.

Current Finance Deals

Interested in financing your new car? If so, make sure your dealer includes these incentives.

Financing Incentives

RebateAmount
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.
 

Current Lease Deals

Considering a lease? These are the best lease deals available for the Volvo XC40.

T4 Momentum
Payment
$465
Term (mos)
36
Due at Signing
$3,965
MSRP
$35,195
Recharge Plus EV
Payment
$589
Term (mos)
36
Due at Signing
$4,164
MSRP
$56,395
Get a custom lease quote now » Get a custom lease quote now »

Leasing Incentives

RebateAmount
Promotional Lease Offer
Promotional lease offer available for qualified buyers on approved credit. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Residents residing in qualifying regions of the United States. O.A.C.
 
Lease Loyalty Bonus Cash
SR Loyalty Bonus - Lease
(Expires 11/1/21)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

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The 2020 Volvo XC40 runs with a modern crowd. It has sharp edges and a funky stance. It?s quick and it?s nimble, and it has tidy acceleration and handling.

The 2020 XC40 can be fitted with one of two powerplants. The base model is called T4, and uses a 2.0-liter turbo-4 making 187 horsepower and 221 lb-ft of torque. It?s front-wheel drive and uses the same 8-speed automatic as found in the optional T5. This 2.0-liter turbo-4 puts out 248 hp and 258 lb-ft of torque, and in this 3,600-pound crossover it?s an impressive motivator.

There?s also a model called the R-Design that ups the XC40?s sporty game with a stiffer suspension, bigger wheels, and black trim.

The cabin offers as much function as the larger and more expensive XC60 and XC90. The cargo space, flexibility, and small storage is great. It seats five, but occupants will be a lot happier if there?s only four of them.

Base front-drive models with the 187-hp T4 powertrain get EPA ratings of 23 mpg city, 33 highway, 27 combined. The 248-hp T5 comes with all-wheel drive but still returns 23/31/26 mpg.

The NHTSA hasn?t crash-tested the XC40 yet, but the IIHS gives it their top ?Good? rating when equipped with the optional headlights.

Every XC40 gets standard automatic emergency braking with forward-collision warnings and active lane control. Better headlights, a surround-view camera system, blind-spot monitors and rear cross-traffic alerts are optional.

There?s also the Pilot Assist package, which adds adaptive cruise control that can automatically follow other cars in stop-and-go traffic, and also can turn itself off automatically.

Model Lineup

The XC40 comes as Momentum, R-Design, and Inscription. All-wheel drive is available on the T4, standard on the T5.

With a starting price of $35,340 the base XC40 Momentum comes well equipped with LED headlights, 18-inch wheels, cloth upholstery, a 12.3-inch digital gauge cluster, a 9.0-inch touchscreen with Apple CarPlay and Android Auto, Bluetooth connectivity, and a power-adjustable driver?s seat.

Options include a package with blind-spot monitors, keyless ignition, and wireless smartphone charging; another package has a power front passenger seat, and yet another has Pilot Assist and a surround-view camera system.

The $40,945 R-Design is sporty, with a firmer suspension for improved cornering, 19-inch wheels, and glossy black trim. It also adds a power passenger seat, dual-zone climate control, navigation, leather-with-suede upholstery, a panoramic roof, and a motion-activated tailgate.

The $41,445 Inscription is elegant, with real wood trim, graceful 19-inch wheels, premium leather upholstery, and chrome exterior trim. Options include heated seats and steering wheel, adaptive dampers, navigation, and a Harmon Kardon sound system.

All XC40 crossovers come with a 4-year/50,000-mile warranty.

Volvo offers a subscription service that?s unique. Instead of purchasing the XC40, for $700 a month, participants in the Care by Volvo subscription plan get the same amount of miles as they would with a three-year lease.

Exterior

Choppy and edgy, the XC40 is a significant departure from Volvo?s familiar wagon-like SUV shapes. It hasn?t shed its mechanical roots, but there?s an attitude about it. The XC40 wears the tones well, on its tall and boxy body. It?s only 174 inches long and 73 inches wide, but its horizontal lines make it look wider.

Interior

The horizontal theme continues in the cabin, interrupted only by an upright rectangular 9.0-inch touchscreen. Volvo?s infotainment system is among the best, intuitive and fast. The front occupants are flanked by gauges and screens. Style meets function with clever storage, including hidden cubbies, deep door pockets, hooks in the glovebox, a small rubbish bin in the center console, and cargo organizers behind the rear seats.

There are no rough sounds from under the hood, and nor is there excessive wind, road, or engine noise. It is hushed to an impressive degree.

One look at the optional driftwood trim, and you?ll know this is a premium space. Even the optional Lava Orange carpet in the R-Design, straight out of the ?70s, probably won?t change your mind.

The XC40?s seats are soft and supportive for long hours behind the wheel. However we find it ironic that heated seats are optional, when they were standard equipment in the Volvos of the 1980s.

The backs of the front seats are scalloped, to provide more knee room in the rear. There?s plenty of room for cargo, with 20.7 cubic feet behind the rear seats and 47 cubic feet with the seats folded.

Driving Impressions

We haven?t driven the base T4 yet, with its 2.0-liter turbo-4 making 187 horsepower and 221 lb-ft of torque. But we?ve driven the T5, whose 2.0-liter turbo-4 makes 248 hp and 258 lb-ft of torque, and it?s quite an engine. The torque comes on early, so you don?t have to wring it out. It pushes the XC40 to 60 mph in 6.2 seconds, a time that?s near the top of the class.

The T5 is also one of the most refined powertrains in its class that includes the best from Germany and Japan. The 8-speed automatic transmission matches the smoothness of the engine.

However there is a problem: the shifter. It?s maddening. We have no idea why Volvo would betray its Swedish DNA of simplicity and function, and design an odd thing that requires two downward clicks to go from park to drive. If you only click it down once you?ll be in neutral, and you?ll find yourself stepping on the gas and only getting engine noise without any forward motion.

The T5 comes standard with all-wheel drive. The system is from Borg-Warner and can send up to 50 percent of the torque to the rear wheels, for better traction in snow or grip on slippery roads.

The R-Design, with its stiffer springs and beefier roll bars, has quick steering with a light touch. It does a good job of adding sport to comfort, without compromising the quality of the ride. It gets even better with the optional adaptive dampers.

Final Word

The 2020 Volvo XC40 is a winner, if you like the edgy looks. It gets cleaner and more stylish inside, with a thoughtful design and exceptional materials. It also has a great ride and handling, even better with the R-Design. The T4 with optional all-wheel-drive will be fine, but the T5 will blow your Swedish socks off.

 

?by Sam Moses, with driving impressions by The Car Connection

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