Direct Auto Sales

9240 James St., Philadelphia, PA 19114
3.8
3.8 out of 5 stars

Used 2020 Volvo XC40 T5 Momentum

61,187 miles
For Sale:$19,500

$1,000(5.4%)price increased

Estimated payment:$442/mo.
$0 trade-in, 10% down payment, 48 months, Great credit score

Value ChartA visual chart indicating the fair price range is between $18,200 and $21,400, while the current price is $19,500.$18,200 - $21,400$19,500
  • Priced at $19,500, this vehicle is within the current market price range of $18,200 to $21,400.

  • It has 61,187 miles, which is 8,013 (12%) below the median mileage of 69,200.

Note: This is an estimate based on a variety of factors (experimental feature). It is intended to provide a fair market value range to help guide your buying decision.

View Full Value Report

SequenceDatePrice ChangeCurrent Price
1.2/19/2026 (2 months ago)$18,500
2.2/20/2026 (2 months ago)+$1,000 (+5.4%)$19,500
  • SUV
  • Luxury
  • Crossover
  • Condition
    Used
  • Mileage
    61,187miles
  • Aggregate Ratings
    3.6
    3.6 out of 5 stars
  • Generation
    1(2018 - 2026)
  • Trim
    T5 Momentum
  • Drivetrain
    All Wheel
  • Transmission
    8-Speed Shiftable Automatic
  • MPG
    22 city30 highwayMax range: 426 miles
  • Exterior Color
    Black
  • Interior Color
    Black
  • Roof Color
    White Factory Paint Code:161
  • Upholstery
    Cloth
  • Size Segment
    Compact
  • Doors
    4
  • Max Seating
    5
  • Acceleration (0-60 mph)
    6.1seconds
  • Max Towing Capacity
    3,500lbs.
  • Weight Class
    < 6,000 lbs. (1)
  • Ground Clearance
    8.3inch
  • NHTSA Safety Ratings
    5
    5 out of 5 stars
  • Final Assembly Point
    Ghent, Belgium
  • VIN
    YV4162UK1L2276848
  • Starting MSRP
    $35,700

Engine2L I4 Gasoline 248hp

  • Fuel Type:Gasoline
  • Fuel Quality:91
  • Max Horsepower:248 hp @ 5500 rpm
  • Power to Weight Ratio:15.04lbs/hp
  • Max Torque:258 ft.lbf @ 1800 rpm
  • Displacement:2liters
  • Block Type:I
  • Cylinders:4
  • Aspiration:Turbo
  • Fuel Induction:Direct Injection
  • Redline:6,000rpm
  • Oil Capacity:5.6liters
  • Cam Type:DOHC
  • Stroke:3.67
  • Bore:3.23
  • Valves:16

Message from the seller

FINANCING & WARRANTY AVAILABLE (Rate as low as 5.99% Loan Term up to 84 months) ---- LOADED VOLVO XC40!!! 2.0L WITH 17 DETAILED SERVICE RECORDS CLEAN TITLE (ALL HIGHWAY & SUBURBAN Driving MILEAGE) CAR RUNS PERFECT --- NICELY LOADED: PREMIUM SOUND, ALLOY WHEELS & MORE!!! ----- BLACK on BLACK (Nice Combo)!!! ----- Interior and Exterior are SUPER CLEAN!!! ------- COME TEST DRIVE this CAR

  • Comfort & Seating:

    • Power Seats
  • Convenience:

    • Automatic Climate Control
    • Parking Sensors
    • Rain Sensing Wipers
  • Entertainment:

    • Bluetooth
    • Satellite Radio
  • Exterior:

    • Heated Mirrors
    • Tinted Windows
  • Safety:

    • Automatic Emergency Braking
    • Autonomous Braking
    • Backup Camera
    • Collision Avoidance
    • Lane Departure Warning
    • Lane Keeping Assistance
    • Tire Pressure Monitoring
  • Technology:

    • Android Auto

  • Abs Four Wheel
  • Airbags Front Driver
  • Airbags Front Passenger
  • Airbags Side Impact
  • Airbags Side Curtain
  • Brake Assist
  • Daytime Running Lights
  • Electronic Stability Control
  • Electronic Traction Control
  • Tire Pressure Monitoring System
  • Rollover Stability Control

  • Federal Tier 3 Bin 70:

    • Air Pollution Score:5
    • Greenhouse Gas Score:5
    • Fuel Type:Gasoline
    • Epa Underhood Id:LVVXJ02.0U70

2020 Volvo XC40: A Comprehensive Overview

The 2020 Volvo XC40 is a compact luxury SUV that successfully blends Scandinavian design with a practical and upscale interior. It offers a compelling package for those seeking a stylish, safe, and comfortable vehicle for city driving and beyond, all within a more manageable footprint than its larger siblings.

Highlights

  • Engine Options: The 2020 XC40 offered two primary gasoline powertrains, both paired with an 8-speed automatic transmission and all-wheel drive as standard for 2020:
    • T4: This powertrain featured a turbocharged 2.0-liter four-cylinder engine producing 187 horsepower and 258 lb-ft of torque. It provided peppy acceleration suitable for most driving situations.
    • T5: The more potent option, the T5 boasted a turbocharged 2.0-liter four-cylinder engine generating 248 horsepower and 258 lb-ft of torque. This engine offered significantly stronger acceleration and a more engaging driving experience.
  • Safety Features: Volvo has long been a leader in automotive safety, and the 2020 XC40 is no exception. Standard and available features include:
    • City Safety: This suite of driver-assist technologies utilizes cameras and sensors to detect and help avoid or mitigate collisions with other vehicles, pedestrians, cyclists, and large animals. It includes automatic emergency braking and pedestrian detection.
    • Lane Keeping Aid: This system actively steers the vehicle back into its lane if it detects unintentional drifting, helping to prevent lane departure accidents.
    • Blind Spot Information System (BLIS) with Steer Assist: BLIS alerts you to vehicles in your blind spots, and the steer assist function can gently guide the vehicle away from an obstacle if a lane change is attempted while a vehicle is detected in the blind spot.
    • Cross-Traffic Alert with Automatic Braking: When backing out of a parking spot, this system warns you of approaching vehicles from the sides and can automatically apply the brakes if a collision is imminent.
    • Pilot Assist: An advanced semi-autonomous driving system that combines adaptive cruise control with lane centering, allowing for more relaxed highway driving by assisting with steering, acceleration, and braking.
  • Trim Summary: The 2020 XC40 was available in a well-equipped trim structure, with the core offering being a highly capable and feature-rich package. While specific naming conventions might vary slightly, the general progression offered increasing levels of luxury and advanced features:
    • Momentum: The base trim provided a solid foundation with a premium interior, advanced safety features, and an intuitive infotainment system.
    • R-Design: This sportier trim added distinctive styling cues, both inside and out, such as unique wheels, a sport-tuned suspension, and premium interior accents, appealing to those who prioritize a more dynamic aesthetic.
    • Inscription: The most luxurious trim focused on enhanced comfort and refinement, often including premium leather upholstery, upgraded interior trim, and additional convenience features.
  • Other Notable Aspects:
    • Unique Interior Design: The XC40's interior is a standout, featuring a minimalist yet functional design with ample storage solutions, including a removable cargo bin and door pockets designed to hold laptops and bags.
    • Infotainment System: A standard 9-inch vertically oriented touchscreen powered by Volvo's Sensus infotainment system offered access to navigation, media, and vehicle settings. Apple CarPlay and Android Auto integration were also standard.
    • Ride Comfort: Despite its compact size, the XC40 provided a comfortable and composed ride, making it well-suited for daily commutes and longer journeys.
    • All-Wheel Drive (AWD) Standard: For 2020, all XC40 models came standard with AWD, providing confidence and traction in various weather conditions.

What to Expect

Owning a 2020 Volvo XC40 generally translates to a premium and refined ownership experience. The interior is a sanctuary of quality materials, comfortable seating, and user-friendly technology. Daily driving is a pleasure, with the car feeling agile and easy to maneuver in urban environments, while still offering a stable and composed ride on the highway.

Maintenance: As a luxury vehicle, the XC40 will typically require maintenance according to Volvo's recommended schedule. This usually involves regular oil changes, filter replacements, and inspections. While Volvos are known for their reliability, specialized parts and service might come at a slightly higher cost compared to mainstream brands. It's advisable to budget for scheduled maintenance and potentially a Volvo-certified mechanic for optimal care.

Insurance: Insurance premiums for a 2020 Volvo XC40 are likely to be in line with other compact luxury SUVs from European manufacturers. Factors influencing the cost will include your driving record, location, chosen coverage levels, and the specific trim and options of the vehicle. Given Volvo's strong emphasis on safety, some insurance providers might offer discounts for its advanced safety features.

Potential Considerations

While the 2020 Volvo XC40 excels in many areas, potential buyers should be aware of a few aspects:

  • Infotainment System Learning Curve: The vertically oriented touchscreen, while visually striking, can have a slight learning curve for some users. While functional, some operations might require more steps than traditional button-based systems.
  • Rear Seat Space: While adequate for most, the rear seating area might feel a bit snug for taller adults on longer journeys, particularly when compared to some larger competitors in the segment.
  • Engine Refinement (T4): The T4 engine, while perfectly capable, can sometimes feel a bit less refined or eager compared to the more powerful T5 when accelerating or under heavy load.
  • Road Noise: Depending on the road surface and tire choice, some road noise can be noticeable at highway speeds, which might detract slightly from the otherwise quiet cabin.

Overall Summary

The 2020 Volvo XC40 stands out as an excellent choice in the compact luxury SUV market. It masterfully combines Volvo's signature safety, distinctive Scandinavian design, and a practical, upscale interior with engaging driving dynamics. Offering robust standard features, including all-wheel drive and a comprehensive suite of advanced driver-assistance systems, it provides a compelling and sophisticated ownership proposition for those seeking a stylish and secure compact SUV.

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Listed on February 19, 2026 (2 months ago)
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This Used 2020 Volvo XC40 T5 Momentum is available for drivers in Philadelphia, Trenton, Norristown, Cherry Hill, Camden, Levittown, Lansdale, Bensalem ...

Cruz™ Disclaimer: Vehicle details shown on this site are provided by sellers or third parties. Cruz™ does not independently verify this information and is not liable for its accuracy. All services and content are offered without any warranty, either expressed or implied. Learn more here.MPG & Max Range: Fuel economy estimates are provided by the EPA and are intended for comparison purposes only. Your actual mileage will vary depending on driving conditions, vehicle condition, and other factors.Price: Prices shown may not include taxes, fees, or other charges. Prices and availability are subject to change without notice. Contact the seller for the most current pricing information.Options & Features: Installed options may not be shown. Contact the seller for more information about available features and options.