On sale 10 daysOn sale 10 d
23,400 €
Bilia Olari, Espoo, Uusimaa
1 / 20
The 2020 Volvo XC40 T5 Business is a front-wheel-drive SUV, petrol hybrid-powered with an automatic gearbox. It has an engine displacement of 1.5 litres and an output of 132 kW (179 hp).
The asking price is 23,400 €. That is 3,500 € (13%) below bilbil.fi's estimated market price of 26,900 €. The estimate is based on 1,368 comparable cars. The chance this car sells within the next 30 days is about 53%.
A dealer typically sells this model in about 16 days and a private seller in about 15 days. As the asking price is clearly below the market price, this particular car will likely sell faster than average, in an estimated 14 days.
The odometer reads 106,500 km, which works out at about 16,000 km per year. The car was inspected 4/2026, and the next inspection is due an estimated 4/2028. The most common inspection failure cause in this model series is brakes.
Running the car costs an estimated:
- Vehicle tax 106 € per year
- Insurance
without discount 940 €770 € per year
25% off comprehensive cover(opens in a new tab) - Financing instalment 262 € per month
Vehicle tax and insurance come to about 880 € per year.
The original tyre size is 235/55 R18.
The seller is Bilia (Espoo).
The car has been for sale for 9 days since 30/10/2026.
Basic information
- Registration number
- ZMV-495
- Mileage
- 106,500 km
Verify mileage authenticity 20% off
- Fuel
- Hybrid (petrol)
- Displacement
- 1,477 cm³
- Model year
- 2020
- First registration
- 3/2020
- Type approval number
- e9*2007/46*3146*07
- Gearbox
- Dual-clutch automatic
- Drivetrain
- Front-wheel drive
- Acceleration (0–100)
- 7.3 s
- Body type
- SUV
- Colour
- White
- Tyre size
- 235/55 R18
- Wheel size
- 18″
- Last inspection
- 4/2026
- In traffic use in Finland
- 520 cars
- Steering wheel
- Left-hand
- Country of manufacture
- Belgium
- Assembly plant
- Volvo Cars, Ghent
- bilbil.fi ID
- 297970
Engine and drivetrain
- Engine code
- B3154T5
- Engine layout
- Inline
- Cylinders
- 3
- Valves per cylinder
- 4
- Engine position
- Front
- Fuel injection
- Direct injection
- Forced induction
- Turbo
- Camshaft drive
- Timing belt
- Fuel grade
- Petrol 95
- Second fuel
- Electricity
- Power
- 132 kW / 179 hp
- Engine speed at peak power
- 5,800 rpm
- Rated power
- 132 kW
- Engine speed at peak torque
- 1,500 rpm
- Number of gears
- 7
- Top speed
- 205 km/h
Electric drive and charging
- Battery chemistry
- Lithium-ion
- Top speed on electric power
- 125 km/h
- Charge port position
- Left rear
- AC charging connector
- Type 2
- AC charging phases
- Single-phase
- AC charge to full
- 180 min
- Electric motor, position
- Rear axle
- Electric motor, power
- 60 kW
- Electric motor, torque
- 160 Nm
Consumption and emissions
- Fuel consumption
- 2.4 l/100 km (extra-urban)
- WLTP, combined
- 15.9 kWh/100 km
- Fuel tank
- 48 l
- CO2 emissions
- 41 g/km
- Emission class
- Euro 6
- Emissions test cycle
- WLTP
- Exhaust aftertreatment
- Petrol particulate filter
- Pass-by noise
- 68 dB
Dimensions and weights
- Dimensions (L × W × H)
- 4,425 × 1,873 × 1,632 mm
- Width including mirrors
- 2,034 mm
- Wheelbase
- 2,702 mm
- Ground clearance
- 211 mm
- Turning circle
- 11.8 m
- Approach angle
- 21.7°
- Departure angle
- 30.4°
- Breakover angle
- 21.9°
- Wading depth
- 450 mm
- Boot space
- 433 l
- Boot space, seats folded
- 1,309 l
- Kerb weight
- 1,812 kg
- Gross weight
- 2,290 kg
- Payload
- 419 kg
- Roof load
- 75 kg
- Max towing weight
- 1,800 kg
- Towing weight (unbraked)
- 750 kg
- Tow ball load
- 100 kg
Body and chassis
- Seats
- 5
- Doors
- 4
- Front suspension
- Coil springs
- Rear suspension
- Coil springs
- Front brakes
- Disc brakes
- Rear brakes
- Disc brakes
- Tyre pressure monitoring
- Direct (sensors in the wheels)
The information on this page is compiled by Bilbil from dozens of public and non-public sources from Finland and elsewhere in Europe. Check the details stated by the seller in the original listing.
- Generation
- Generation 1 (X)
- Produced
- 2018–2021
- Sub-model
- SUV (X)
- Gearbox
- Automatic
Equipment
No notable equipment was identified from the listing.
Equipment rating
Asking price: 23,400 €
As the asking price is clearly below the market price, this particular car will likely sell faster than average, in an estimated 14 days.
| Date | Price | Change |
|---|---|---|
| 30/10/2026 | 23,400 € | – |
| 05/11/2026 | 23,400 € | – |
Next inspection due around 4/2028
About 17 months left. A car under 10 years old is inspected every two years. According to the listing, the car was inspected in 4/2026.
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 Olari, Espoo, Uusimaa 9 days for sale
30/10/20263/11/20266/11/20269/11/2026
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 reportBILBIL −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. 262 €/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 106 €/yr
- Driving power tax 0 €/yr
- Total vehicle tax 106 €/yr
Base tax is based on CO₂ emissions (WLTP), 41 g/km.
The average CO₂ of petrol passenger cars first registered in 2020 was 137.8 g/km (WLTP). This car is 97 g/km below that average, which comes to 33 € less a year in base tax.
Estimated annual insurance cost (liability + comprehensive).
Driver's age 45 yrs
−25% POP Vakuutus comprehensive cover campaign until 10/11/2026
- Liability insurance250 €/yr
- Comprehensive −25%
Without discount 690 €/yr520 €/yr - Total insurance
Without discount 940 €/yr770 €/yr
≈ 64 €/mo
Request a quoteService provided by
The campaign price deducts 25% from the estimated comprehensive cover. The discount applies to comprehensive insurance for passenger cars, on POP Vakuutus’s terms. The final price depends on factors such as claims history and place of residence, and is set in the quote.
Remember to check tyre condition with the seller.
Volvo XC40 (2018–2025) · T5 2.0 Twin Engine. (132kW)
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 (ZMV-495).
Order tyres See wheels too →Volvo Selekt | https://bilia.fi/fi/auto/Volvo-XC40-ZMV-495
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Frequently asked questions about this car
Which car has the registration ZMV-495?
ZMV-495 is a 2020 Volvo XC40 T5 Business with 106,500 km on the odometer. It is for sale at 23,400 €.
How much does Volvo XC40 T5 Business cost?
Volvo XC40 T5 Business is for sale at 23,400 €.
Is this car well priced?
According to bilbil.fi's price estimate, the asking price is well below market price (estimated market price 26,900 €).
How long has this car been for sale?
The car has been for sale for at least 9 days. The listing entered bilbil.fi's tracking on 30/10/2026.
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 11/03/2020.
How many kilometres has the car covered?
The car's mileage is 106,500 km.
When is the car due for its next inspection?
Based on the listing data, the next inspection is due around 4/2028. 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 30/09/2026 there were 12,926 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 hybrid (petrol) and the gearbox is automatic.
How much is the car's vehicle tax?
Vehicle tax is 106 € 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 T5 Business located?
The car is located in Uusimaa (Espoo, Uusimaa).
How much does the car cost to keep per year?
The estimate is 876 € per year: vehicle tax 106 €, insurance 770 €. 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.