On sale 12 daysOn sale 12 d
29,900 €
Keskusautohalli Oy, Raisio, Varsinais-Suomi
1 / 10 Image source: Bilia, Nettiauto
The 2020 Volvo XC40 T3 Momentum aut is a front-wheel-drive SUV, petrol-powered with an automatic gearbox. It has an engine displacement of 1.5 litres and an output of 120 kW (163 hp).
The asking price is 29,900 € (plus a 349 € handling fee). The chance this car sells within the next 30 days is about 69%.
A dealer typically sells this model in about 11 days and a private seller in about 12 days.
The odometer reads 86,000 km, which works out at about 12,000 km per year. The car was inspected 9/2025, and the next inspection is due an estimated 9/2027. The most common inspection failure cause in this model series is brakes.
Running the car costs an estimated:
- Vehicle tax 192 € per year
- Insurance 1,010 € per year
- Financing instalment 334 € per month
Vehicle tax and insurance come to about 1,200 € per year.
The original tyre size is 235/55 R18. The listing says 2 sets of tyres are included: summer and winter.
The seller is Bilia (Espoo).
The car has been for sale since 19/08/2026.
Basic information
- Registration number
- GNO-647
- Mileage
- 86,000 km
Verify mileage authenticity 20% off
- Engine
- 1.5 l, Petrol
- Model year
- 2020
- Gearbox
- Automatic
- Drivetrain
- Front-wheel drive
- Office fee
- 349 €
- Body type
- SUV
- Vehicle type
- Passenger car
- Colour
- Black
- Tyre size
- 235/55 R18
- Wheel size
- 18″
- Tyre sets
- 2 (summer and winter)
- In traffic use in Finland
- 626 cars
- Steering position
- Left-hand
- VIN number
- YV1XZ15VDL2209203
- maksimi.fi ID
- 180928
- Nettiauto ID
- 15932136
Technical details
- Power
- 120 kW / 163 hp
- Top speed
- 180 km/h
- Fuel consumption
- 7.9 l/100 km (combined)
- Seats
- 5
- Doors
- 5
- Number of gears
- 8
- Cylinders
- 3
- Turbocharger
- Yes
- CO2 emissions
- 165 g/km
- Kerb weight
- 1,625 kg
- Gross weight
- 2,120 kg
- Max towing weight
- 1,600 kg
- Towing weight (unbraked)
- 750 kg
- Dimensions (L × W × H)
- 4,425 × 1,873 × 1,632 mm
- First registration
- 08/08/2019
- Last inspection
- 9/2025
- Type approval number
- e9*2007/46*3146*07
- Gearbox
- Automatic
Equipment
No notable equipment was identified from the listing.
Equipment rating
Asking price: 29,900 €
No price changes during the tracked period.
Next inspection due around 9/2027
About 13 months left. A car under 10 years old is inspected every two years. According to the listing, the car was inspected in 9/2025.
Check with Traficom
Failures in the same model series
483 cars of the Volvo XC40 model series (first registered in 2020) were inspected in 2025. They recorded 21 defects leading to a failure, or 4.3 defects per 100 inspections. For cars of the same age nationwide the figure is 15.7. That is clearly fewer defects than in cars of the same age on average.
Causes of failures, defects per 100 inspections
- This model series
- All cars
- Brakes 2.5
Service and parking brake, brake dynamometer tests, stability control
- Axles and suspension 1
Front and rear axles, springs and dampers, tyres and wheels
- Vehicle identification 0.4
Plates and register entries, VIN, documents
The remaining 9.5 % of defects fall under other items. Most advisories concerned road test and visibility (12). Median mileage 91,000 km.
Sale periods
Bilia Oy, Espoo, Uusimaa 1 day for sale
19/8/2026
Sales
No previous sales.
See detailed history data from carVertical: the report covers the car's mileage records, possible damage, previous owners and registrations.
View history reportMAKSIMI −20% off the report Service provided by carVertical
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€
500 € 70,000 €
10 years
1 year 10 years
Estimated monthly instalment approx. 334 €/mo
See offers Comparison provided by 
The APR under Finnish consumer protection law is 7.48%, calculated for a loan of €7,500 with a repayment period of 9 years, an account fee of €5, an opening fee of €35 and a nominal interest rate of 5.80%. The amount repayable would then be €10,215, i.e. €94/month. A credit card's APR may be 18.97%, calculated for a loan of €1,500 with a repayment period of one year and a nominal interest rate of 17.50%. The amount repayable would then be €1,646 in total, i.e. €146 per month. The final APR, loan term and monthly instalment are set out in the loan agreement. Lenders draw up the loan agreement based on an individual credit assessment. The nominal interest rate offered may vary between 4.19% and 20%, and annual loan costs between €0 and €150. The loan term offered varies between 1 and 20 years. Loan amounts offered range from €500 to €70,000.
Vehicle tax under the tax tables in force in 2026.
- Base tax 192 €/yr
- Driving power tax 0 €/yr
- Total vehicle tax 192 €/yr
Base tax is based on CO₂ emissions (WLTP), 165 g/km.
The average CO₂ of petrol passenger cars first registered in 2019 was 143.9 g/km (WLTP). This car is 21 g/km above that average, which comes to 42 € more a year in base tax.
Estimated annual insurance cost (liability + comprehensive).
Driver's age 45 yrs
- Liability insurance240 €/yr
- Comprehensive770 €/yr
- Total insurance1,010 €/yr
≈ 84 €/mo
Request a quoteService provided by 
The final price depends on factors such as claims history and place of residence, and is set in the quote.
The listing says 2 sets of tyres are included: summer and winter.
Remember to check tyre condition with the seller.
Volvo XC40 (2018–2025) · T3 1.5. (115kW)
Tyre sizes for this car
- 235/55 R18 Original
- 255/25 R22 Fits
- 255/30 R22 Fits
- 255/35 R22 Fits
- 245/30 R22 Fits
- 235/30 R22 Fits
- 235/60 R22 Fits
- 245/40 R21 Recommended
- 245/45 R20 Recommended
- 235/50 R19 Recommended
- 235/60 R17 Recommended
Wheel sizes for this car
17″
18″
19″
20″
21″
22″
Original wheel size: 18″
What do the sizes mean?
Renkaatvaihtoon.fi guarantees that the tyres fit this exact car (GNO-647).
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Frequently asked questions about this car
Which car has the registration GNO-647?
GNO-647 is a 2020 Volvo XC40 T3 Momentum aut with 86,000 km on the odometer. It is for sale at 29,900 €.
How much does Volvo XC40 T3 Momentum aut cost?
Volvo XC40 T3 Momentum aut is for sale at 29,900 €.
How long has this car been for sale?
The listing entered maksimi.fi's tracking on 19/08/2026.
Has this car been on the market before?
No earlier completed sales are on record for this car.
What model year is the car?
The car is model year 2020 and was first registered on 08/08/2019.
How many kilometres has the car covered?
The car's mileage is 86,000 km.
When is the car due for its next inspection?
Based on the listing data, the next inspection is due around 9/2027. A car under 10 years old is inspected every two years.
How often does this model fail its inspection?
4.1 % of Volvo XC40 cars first registered in 2020 failed their periodic inspection in 2025 (483 inspections, median mileage 91,000 km). Failure rates are not directly comparable between models because typical mileage differs.
How common is a 2020 Volvo in Finland?
On 30/06/2026 there were 12,888 Volvo passenger cars first used in 2020 in traffic use in Finland. That is 10.7 % of all cars first used that year, making it the second most common brand of that year among 33 brands. The most common fuel type among them is plug-in hybrid (63.9 %). The figure is a snapshot of the whole fleet, not the number of cars for sale.
What causes inspection failures for this model year?
For Volvo XC40 cars first registered in 2020, defects leading to a failure in 2025 inspections came most often from: brakes, axles and suspension, vehicle identification. That is 4.3 defects per 100 inspections, against 15.7 for cars of the same age nationwide. Figures count defects, not cars, and describe the model series rather than this individual car.
What fuel type and gearbox does the car have?
The fuel type is petrol and the gearbox is automatic.
How much is the car's vehicle tax?
Vehicle tax is 192 € per year. It consists of the base tax, determined by CO₂ emissions or gross weight, and the driving power tax, charged on fuels other than petrol.
What tyre size fits this car?
The car's original tyre size is 235/55 R18.
Where is Volvo XC40 T3 Momentum aut located?
The car is located in Uusimaa (Espoo, Uusimaa).
How much does the car cost to keep per year?
The estimate is 1,202 € per year: vehicle tax 192 €, insurance 1,010 €. Insurance and energy are estimates; vehicle tax is calculated from the car's own data.
Who is selling this car?
The seller is Bilia (Espoo).
Where can I see this car's price history?
This page shows the changes to the car's asking price, its sale periods and the edits made to the listing.