On sale 1 dayOn sale 1 d
26,790 €
Kamux Espoo Koskelo, Espoo, Uusimaa
1 / 29 Image source: Saka, Nettiauto
The 2020 Volvo XC40 D3 AWD Business aut is an all-wheel-drive SUV, diesel-powered with an automatic gearbox. It has an engine displacement of 2.0 litres and an output of 110 kW (150 hp).
The asking price is 26,700 € (plus a 349 € handling fee). That is 2,200 € (8%) below maksimi.fi's estimated market price of 28,900 €. The estimate is based on 885 comparable cars.
The asking price has been reduced by 290 € from the original 26,990 €. A dealer typically sells this model in about 12 days and a private seller in about 8 days.
The odometer reads 123,000 km, which works out at about 20,000 km per year. The most common inspection failure cause in this model series is brakes.
- Fuel-operated parking heater
- Adaptive cruise control
- LED headlights
- Keyless entry and start
- Parking sensors
- Leather upholstery
Running the car costs an estimated:
- Vehicle tax 654 € per year
- Insurance 940 € per year
- Financing instalment 299 € per month
Vehicle tax and insurance come to about 1,590 € 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 Saka (Porvoo).
The car has been for sale for 57 days since 23/06/2026. The listing has been renewed mid-sale.
Basic information
- Registration number
- CMT-648
- Mileage
- 123,000 km
Verify mileage authenticity 20% off
- Engine
- 2.0 l, Diesel
- Model year
- 2020
- Gearbox
- Automatic
- Drivetrain
- All-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)
- Keys
- 1
- In traffic use in Finland
- 94 cars
- Steering position
- Left-hand
- Imported car
- No
- VIN number
- YV1XZ72VCL2180845
- maksimi.fi ID
- 25807
- Nettiauto ID
- 15948736
Technical details
- Power
- 110 kW / 150 hp
- Acceleration (0–100)
- 10.4 s
- Top speed
- 200 km/h
- Fuel consumption
- 6.6 l/100 km (combined)
- Seats
- 5
- Doors
- 5
- Number of gears
- 8
- Cylinders
- 4
- Turbocharger
- Yes
- CO2 emissions
- 165 g/km
- Kerb weight
- 1,742 kg
- Gross weight
- 2,240 kg
- Max towing weight
- 2,000 kg
- Towing weight (unbraked)
- 750 kg
- Dimensions (L × W × H)
- 4,425 × 1,873 × 1,632 mm
- Type approval number
- e9*2007/46*3146*06
- Gearbox
- Automatic
Equipment
- Adaptive cruise control
- Fuel-operated parking heater
- Keyless entry and start
- Leather upholstery
- LED headlights
- Parking sensors
Equipment rating
Asking price: 26,700 €
- Saka · 23/6/–2/7/2026
- Saka Finland Oy Porvoo · 4/7/–12/8/2026
- Saka Finland Oy Porvoo · 27/8/2026
| Date | Price | Change | Listing |
|---|---|---|---|
| 23/06/2026 | 26,990 € | – | Saka |
| 23/06/2026 | 26,600 € | −390 € | Saka |
| 02/07/2026 | 26,990 € | +390 € | Saka |
| 04/07/2026 | 26,990 € | – | Saka Finland Oy Porvoo |
| 28/07/2026 | 26,900 € | −90 € | Saka Finland Oy Porvoo |
| 05/08/2026 | 25,900 € | −1,000 € | Saka Finland Oy Porvoo |
| 12/08/2026 | 26,700 € | +800 € | Saka Finland Oy Porvoo |
| 27/08/2026 | 26,700 € | – | Saka Finland Oy Porvoo |
Next inspection
A car under 10 years old is inspected every two years. The listing has no inspection date, so the due date cannot be estimated.
Check with TraficomThe interval is derived from the model year, because the listing has no first registration date.
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
Saka Finland Oy Porvoo, Uusimaa 57 days for sale
23/6/202616/7/20268/8/202631/8/2026
Grey break: the listing was off the market, with no sale recorded.
Sales
No previous sales.
Listing changes
| Date | What | Change |
|---|---|---|
| 27/08/2026 | Listing renewed | same details, new listing |
| 12/08/2026 | Asking price | 25,900 € → 26,700 € |
| 05/08/2026 | Asking price | 26,900 € → 25,900 € |
| 28/07/2026 | Asking price | 26,990 € → 26,900 € |
| 02/07/2026 | Asking price | 26,600 € → 26,990 € |
| 23/06/2026 | Asking price | 26,990 € → 26,600 € |
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
carVerticalWhen buying from a dealer, it's worth asking for a finance quote directly from them. Before that, though, get a loan quote from Rahalaitos too: it gives you something to compare the dealer's offer against, and a way to negotiate better terms.
Viewing quotes is free and doesn't commit you to anything. Rahalaitos puts your application out to as many as 25 lenders at once.
€
500 € 70,000 €
10 years
1 year 10 years
Estimated monthly instalment approx. 299 €/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 462 €/yr
- Total vehicle tax 654 €/yr
Base tax is based on CO₂ emissions (WLTP), 165 g/km. Driving power tax is based on gross weight (approx. 2290 kg).
The average CO₂ of diesel passenger cars first registered in 2020 was 171.8 g/km (WLTP). This car is 7 g/km below that average, which comes to 16 € less a year in base tax.
Estimated annual insurance cost (liability + comprehensive).
Driver's age 45 yrs
- Liability insurance230 €/yr
- Comprehensive710 €/yr
- Total insurance940 €/yr
≈ 78 €/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) · D3 2.0. AWD (110kW)
Tyre sizes for this car
- 235/55 R18 Original
- 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″
Original wheel size: 18″
What do the sizes mean?
Renkaatvaihtoon.fi guarantees that the tyres fit this exact car (CMT-648).
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Frequently asked questions about this car
Which car has the registration CMT-648?
CMT-648 is a 2020 Volvo XC40 D3 AWD Business aut with 123,000 km on the odometer. It is for sale at 26,700 €.
How much does Volvo XC40 D3 AWD Business aut cost?
Volvo XC40 D3 AWD Business aut is for sale at 26,700 €.
Is this car well priced?
According to maksimi.fi's price estimate, the asking price is below market price (estimated market price 28,900 €).
How long has this car been for sale?
The car has been for sale for at least 57 days: the first listing entered maksimi.fi's tracking on 23/06/2026, and the listing has since been renewed.
Has the price been reduced?
Yes. The asking price is 290 € below the original listing price.
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.
How many kilometres has the car covered?
The car's mileage is 123,000 km.
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 diesel and the gearbox is automatic.
What features does the car have?
Notable features include Fuel-operated parking heater, Adaptive cruise control, LED headlights, Keyless entry and start, Parking sensors. The full feature list is on this page.
How much is the car's vehicle tax?
Vehicle tax is 654 € 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 D3 AWD Business aut located?
The car is located in Uusimaa (Porvoo, Uusimaa).
How much does the car cost to keep per year?
The estimate is 1,594 € per year: vehicle tax 654 €, insurance 940 €. Insurance and energy are estimates; vehicle tax is calculated from the car's own data.
Who is selling this car?
The seller is Saka (Porvoo).
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.