Partner Inventory
2023 Volvo XC40 Ultimate
Listed and sold by Volvo Cars Ontario in Ontario, CA. Car Dogs does not own this vehicle — we just make the introduction and keep the numbers honest.
The ride
Up to $4,250 more in conditional factory rebates if you qualify — itemized below, and not included in the price above.
Offering price — available to any buyer, cash or financed. Includes all dealer-installed equipment. Excludes government taxes and registration plus the state-capped dealer document and electronic filing fees, all itemized in the breakdown. No add-on is required.
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Year
2023
Body Style
SUV
Mileage
24,728 mi
Fuel Type
Premium Unleaded
Exterior
Black Stone
Interior
Blond
Transmission
Automatic with Geartronic
Drivetrain
AWD
Engine
2.0L i-4
Features & equipment60 items
Trunk Spoiler • Hands-Free Power Tailgate • Adaptive Cruise Control: Adaptive Cruise Control • Emergency communication system: Volvo Cars App w/4 Year Subscription • Garage door transmitter: HomeLink • Moonroof sunshade: power • Proximity key: push button start only • AM/FM radio: SiriusXM • Primary LCD size: 9.0" • Smart device integration: Apple CarPlay • Speaker type: harman/kardon • Speakers: 13 • Wireless phone connectivity: Bluetooth • Front seats: bucket • Rear seats: bench • Rear seats Folding position: fold forward seatback • Seat Upholstery: leather • Compressor: intercooled turbo • Cylinder configuration: I-4 • Drive type: Instant Traction all-wheel • Electric motor horsepower: 13hp @ RPM • Engine liters: 2.0L • Engine location: front • Fuel economy city: 23mpg • Fuel economy combined: 26mpg • Fuel economy highway: 30mpg • Fuel tank capacity: 14.2gal. • Horsepower: 247hp @ 5,500RPM • Hybrid electric powertrain type: MHEV (mild hybrid electric vehicle) • Hybrid traction battery type: lithium ion (Li-ion) • Hybrid traction battery voltage: 48 • Limited slip differential: brake actuated • Manual-shift auto: Geartronic • Number of valves: 16 • Recommended fuel: Premium Unleaded • Standard fuel economy fuel type: gasoline • Torque: 258 lb.-ft. @ 1,800RPM • Transmission: 8 speed automatic • Approach angle: 22 deg • Departure angle: 30 deg • Ground clearance (min): 211mm (8.3") • Ramp breakover angle: 22 deg • Bumpers: body-color • Door mirrors: body-color • Compression ratio: 10.80 to 1 • Curb weight: 1,799kg (3,966lbs) • Engine bore x stroke: 82.0mm x 93.2mm (3.23" x 3.67") • Engine displacement: 2.0 L • Engine torque: 258 lb.-ft. @ 1,800RPM • body width: 1,910mm (75.2") • height: 1,656mm (65.2") • length: 4,440mm (174.8") • Front headroom: 955mm (37.6") • Front hiproom: 1,389mm (54.7") • Front legroom: 1,039mm (40.9") • Front shoulder room: 1,440mm (56.7") • GVWR: 2,279kg (5,024lbs) • maximum rear cargo volume: 1,628 L (58 cu.ft.) • rear cargo volume: 453 L (16 cu.ft.) • Rear headroom: 973mm (38.3")
The honest math
Up to $4,250 in conditional rebates — not in the price above
Each program has a requirement, and most shoppers qualify for none or one. Tap the ones that fit you and the price plus the deal builder below update instantly.
Nothing applied yet — the price above is what any buyer can get with no strings.
If a rebate requires financing through the manufacturer's lender, the rate usually costs more over the term than the rebate hands you. A Car Dog will run both numbers and tell you which one actually wins — free, before you sit down.
Price breakdown
Every dollar, itemized — the way it should be shown before you sit down.
- Offering price
- $33,275
- Cash price with dealer fees
- $33,393
- Government taxes & fees
- $3,422
- Estimated out-the-door
- $36,815
Any buyer, no strings
Includes $118 in doc + e-filing fees
Estimated for ZIP 92336
Cash, no add-ons, no trade
Estimate only — the dealer's worksheet is final. Change the ZIP to re-run the tax.
How we get to the offering price
Offering price — full cash price for this vehicle
Includes every dealer charge and any dealer-installed equipment already on the car, except the state-capped document and electronic filing fees itemized below. Excludes government taxes and fees. No financing, trade-in, add-on or membership is required to pay this price.
$33,275
Dealer fees — $118
Dealer document processing fee
Published by the selling dealer on this listing. California caps this fee. It is charged by the dealer, not by Car Dogs.
$85
Electronic filing / registration service fee
Published by the selling dealer for submitting your registration electronically to the DMV. It is not a government tax.
$33
Total dealer fees
$118
Government taxes and fees — $3,422
Estimated sales tax (8.75% for ZIP 92336)
$2,912
Registration, title and license (DMV estimate)
$510
Conditional rebates — up to $4,250 more, if you qualify
The dealer advertises these on top of the price, but each one has strings attached — financing through the manufacturer's lender, military service, a competing lease, and so on. We keep them out of the offering price so the number above is the one you can count on.
Volvo Certified Pre-Owned Costco Gold Star/Business Member Bonus
Expires Nov 02, 2026 — To qualify for the Costco Member Incentive, you must: (1) be a current Costco member on or before August 31, 2026; (2) register with Costco Auto Program online or through its call center to receive a certificate with your unique promotion code; (3) present your certificate and unique promotion code to any Volvo Car USA dealer at time of visit; (4) take delivery between September 1, 2026, and November 2, 2026, of an eligible Certified by Volvo 2023-2025 model to receive a $1,000 Gold Star/Business Costco Member incentive or $1,250 Executive level Costco Member incentive. The incentive will be applied at time of purchase and is compatible with other eligible Volvo Cars incentives for which the Costco member qualifies under the individual program rules except for A-plan, Affinity Offers and lease returns. MY25 retired demos/loaners are not eligible for the Costco Auto Program Certified by Volvo Special. Program not available in Puerto Rico. Program available only at authorized and official Volvo franchisee retailers. Only one (1) promotion code allowed per vehicle. Limit two (2) promotion codes per membership. Incentive is subject to change due to vehicle inventory availability. Costco and its affiliates do not sell automobiles or negotiate individual transactions.
−$1,000
Volvo Affinity Professional Associations
Expires Jan 04, 2027 — Eligible customers under this program should have a PIN beginning with "D". Proof of eligibility is required. Restrictions apply. For active members of the American Dental Association, American Medical Association, American Bar Association and designated sponsees; active members may sponsor up to three (3) Volvo PINs per year. See retailer for details or visit volvoaffinity.com/programs Available toward the purchase of a certified pre-owned Volvo. Retired Service Loaners/Courtesy Vehicles and Retailer Demonstrators are also eligible for Affinity Programs. While supplies last, subject to availability. Volvo Car USA reserves the right to exclude or modify model or trim eligibility at any time. See retailer for details or visit volvoaffinity.com/programs. Must take retail delivery within 90 days of PIN creation date. Only one (1) Volvo PIN allowed per vehicle. Limit two (2) Volvo PINs per participant per year. The Authorized Volvo Car retailer determines final sale price, base MSRP does not include packages, options, destination charge, port installed accessories or dealer accessories (if applicable). The buyer/lessee and the Volvo PIN participant's legal home address must match the sales or lease contract. Co-buyers or co-lessees are permitted. Purchase Bonus, Lease Bonus, Loyalty Bonus, Conquest Bonus and/or Volvo Allowance when and if available are subject to change at any time and may vary from month to month and may differ based on geographic location. Not compatible with other A-Plan or Affinity PIN offers. See dealer for complete details and eligibility. Volvo Car USA reserves the right to discontinue this offer at any time without notice. Vehicles may be shown with optional equipment at an additional cost. European specification vehicles may be shown. See Volvo Car retailer for complete details and eligibility.
−$1,000
Volvo Certified Pre-Owned A-Plan Elite Bonus
Expires Nov 02, 2026 — Restrictions apply. The A-Plan by Volvo program is exclusively for active employees of select business partners, fleet partners, and other organizations all having a unique relationship with Volvo. Additional purchase eligibility will be extended to the A-Plan eligible employee's spouse and members of their immediate household. Proof of Address required from primary eligible employee when extending to spouse or immediate family within household. Available toward the purchase or lease of a certified pre-owned Volvo. Retired Service Loaners/Courtesy Vehicles and Retailer Demonstrators are also eligible for Affinity Programs. While supplies last, subject to availability. Volvo Car USA reserves the right to exclude or modify model or trim eligibility at any time. See retailer for details or visit volvoaffinity.com/programs. Must take retail delivery within 90 days of PIN creation date. Only one (1) Volvo PIN allowed per vehicle. Limit two (2) Volvo PINs per participant per year. The Authorized Volvo Car retailer determines final sale price, base MSRP does not include packages, options, destination charge, port installed accessories or dealer accessories (if applicable). The buyer/lessee and the Volvo PIN participant's legal home address must match the sales or lease contract. Co-buyers or co-lessees are permitted. Purchase Bonus, Lease Bonus, Loyalty Bonus, Conquest Bonus and/or Volvo Allowance when and if available are subject to change at any time and may vary from month to month and may differ based on geographic location. Not compatible with other A-Plan or Affinity PIN offers. See dealer for complete details and eligibility. Volvo Car USA reserves the right to discontinue this offer at any time without notice. Vehicles may be shown with optional equipment at an additional cost. European specification vehicles may be shown. See Volvo Car retailer for complete details and eligibility.
−$500
Volvo Certified Pre-Owned Costco Executive Member Bonus
Expires Nov 02, 2026 — To qualify for the Costco Member Incentive, you must: (1) be a current Costco member on or before August 31, 2026; (2) register with Costco Auto Program online or through its call center to receive a certificate with your unique promotion code; (3) present your certificate and unique promotion code to any Volvo Car USA dealer at time of visit; (4) take delivery between September 1, 2026, and November 2, 2026, of an eligible Certified by Volvo 2023-2025 model to receive a $1,000 Gold Star/Business Costco Member incentive or $1,250 Executive level Costco Member incentive. The incentive will be applied at time of purchase and is compatible with other eligible Volvo Cars incentives for which the Costco member qualifies under the individual program rules except for A-plan, Affinity Offers and lease returns. MY25 retired demos/loaners are not eligible for the Costco Auto Program Certified by Volvo Special. Program not available in Puerto Rico. Program available only at authorized and official Volvo franchisee retailers. Only one (1) promotion code allowed per vehicle. Limit two (2) promotion codes per membership. Incentive is subject to change due to vehicle inventory availability. Costco and its affiliates do not sell automobiles or negotiate individual transactions.
−$1,250
Volvo Affinity Bonus
Expires Jan 04, 2027 — Restrictions apply. US Military Affinity Bonus exclusively for active-duty members, Reservists, National Guard members, and Veterans. Valid in the US only and not compatible with special US Military Overseas pricing. First Responders Affinity Bonus exclusively for active members of an eligible First Responder Association. Medical Professional Affinity Bonus exclusively for active members of an eligible Medical Team. Teachers Affinity Bonus exclusively for active members of an eligible Teachers Association. See retailer for details or visit volvoaffinity.com/programs Available toward the purchase of a certified pre-owned Volvo. Retired Service Loaners/Courtesy Vehicles and Retailer Demonstrators are also eligible for Affinity Programs. While supplies last, subject to availability. Volvo Car USA reserves the right to exclude or modify model or trim eligibility at any time. See retailer for details or visit volvoaffinity.com/programs. Must take retail delivery within 90 days of PIN creation date. Only one (1) Volvo PIN allowed per vehicle. Limit two (2) Volvo PINs per participant per year. The Authorized Volvo Car retailer determines final sale price, base MSRP does not include packages, options, destination charge, port installed accessories or dealer accessories (if applicable). The buyer/lessee and the Volvo PIN participant's legal home address must match the sales or lease contract. Co-buyers or co-lessees are permitted. Purchase Bonus, Lease Bonus, Loyalty Bonus, Conquest Bonus and/or Volvo Allowance when and if available are subject to change at any time and may vary from month to month and may differ based on geographic location. Not compatible with other A-Plan or Affinity PIN offers. See dealer for complete details and eligibility. Volvo Car USA reserves the right to discontinue this offer at any time without notice. Vehicles may be shown with optional equipment at an additional cost. European specification vehicles may be shown. See Volvo Car retailer for complete details and eligibility.
−$500
A Car Dog will tell you straight whether the financing rebate beats the rate you can get elsewhere — it often does not.
Optional add-ons — none required, none on this deal
You may decline every item below and still buy this vehicle at the offering price. None of them is a condition of purchase or of financing. The ranges are what dealers in this market usually ask, so you know the number before it lands on a worksheet.
This dealer publishes no dealer-installed accessories or added-equipment charges on this listing. If any appear on a worksheet, they were added after the fact — ask for them to be removed.
Paint & fabric / interior protection
Not on this deal. Typical dealer asking price $600–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Theft deterrent / VIN etch
Not on this deal. Typical dealer asking price $200–$1,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Extended service contract (VSC)
Not on this deal. Typical dealer asking price $1,800–$4,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
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GAP coverage
Not on this deal. Typical dealer asking price $400–$1,200. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
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Tire & wheel protection
Not on this deal. Typical dealer asking price $700–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
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Key replacement
Not on this deal. Typical dealer asking price $300–$800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Appearance package (tint, ceramic, paint film)
Not on this deal. Typical dealer asking price $400–$2,500. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
What you should know
- Car Dogs is not the seller
- This vehicle is offered by our partner dealership. Car Dogs is an independent advocate and referral service. We do not sell, lease, finance or hold title to any vehicle, and we cannot approve credit. Every price, term and approval comes from the dealer or lender in writing.
- The offering price is the price
- The offering price is the full cash price for this vehicle, excluding only required government charges and the California-capped dealer document and electronic filing fees. Those two dealer fees are itemized in the breakdown and added into the cash price and out-the-door total shown here, so nothing appears later. The offering price is available to any consumer, whether you pay cash, bring your own financing, or finance through the dealer. It never depends on you buying an add-on, financing with a particular lender, or trading a vehicle in.
- Rebates you may or may not qualify for
- Factory incentives such as bonus cash for financing through the manufacturer's lender, military, first-responder, college-graduate, loyalty or competitive-owner programs are conditional. Because not every buyer qualifies, they are never folded into the price we advertise. We list each one separately with the manufacturer's own eligibility language so you can see what it would take to earn it, and what the car costs if you do not.
- No add-on is required
- Optional add-ons — service contracts, GAP, paint or fabric protection, VIN etching, theft or key packages, nitrogen tires — are not required to buy this vehicle or to qualify for financing. You cannot be charged for any add-on you did not agree to, and you may decline all of them and still buy at the offering price.
- Taxes and government fees are estimates
- Sales tax, registration, title and license amounts shown are estimates based on published California rates and the ZIP code entered. Your actual amounts depend on where the vehicle is registered, its weight and plate class, and DMV fees in effect at delivery.
- Payments shown are estimates, not offers of credit
- Any monthly payment figure on this site is an estimate for comparison only. It is not an offer of credit or a commitment to lend. Rate, term and approval are subject to lender underwriting and your credit.
- MSRP and discount comparisons
- MSRP is the manufacturer's suggested retail price and is only shown on new vehicles the factory sets it for. We never strike a list price through a used vehicle, and any "off MSRP" figure reflects a dealer discount available to every buyer — conditional factory rebates are excluded from it.
- Availability and accuracy
- Listings are synced from the dealer's own inventory feed and can change without notice. A vehicle may be sold, in transit, or repriced between syncs. We verify availability with the dealer before any introduction, and we will tell you if the car is gone.
- How Car Dogs gets paid
- You never pay Car Dogs. If you ask for an introduction and complete a purchase, the dealer pays us a flat referral fee. We are not paid more when you pay more, and no partner can buy a better placement, ranking or recommendation on this site.
Cost to finance this vehicle
The payment, the total you pay over the whole term, and the interest inside it.
Estimated monthly payment
$626
8.90% APR · 72-month term · $2,000 cash down. Estimate only, on approved credit. Your actual rate, term and payment depend on the lender's decision and are confirmed in your retail installment contract. Not an offer of credit.
Over 72 months you would pay $47,060 in total, including $10,245 of interest.
$626 a month × 72 months = $45,060 in payments, plus $2,000 paid up front, at 8.90% APR on $34,815 financed.
No trade-in, rebate or optional add-on is assumed here. Change the numbers to match the offer you were given, and a Car Dog will check the worksheet against it for free.
Build your deal
$554/mo est.
Loan term
Credit
Rate: 6.69% APR · based on SchoolsFirst FCU published rates
- Dealer offering price
- $33,275
- Document processing fee
- $85
- Electronic filing fee
- $35
- CA sales tax (est.)
- $2,585
- DMV registration & license (est.)
- $286
- Estimated out the door
- $36,266
- Less down payment
- −$3,500
- Amount financed
- $32,766
Rate and payment disclosures
- Estimate only. This is not an offer of credit, a pre-approval or a guarantee of any rate, term or payment. Car Dogs is not a lender and does not arrange financing.
- Excellent credit uses the lowest APR SchoolsFirst FCU publishes on its public rate page for a used vehicle at this term, checked automatically (rates effective 2026-10-04). Good, Fair and Rebuilding are Car Dogs estimates inside that lender's published range, which tops out at 18% APR.
- Factory offers come from manufacturer programs as listed by Car and Driver. They require excellent credit through the automaker's finance company, are limited to specific model years, trims and terms, often can't be combined with cash rebates, and end on the date shown.
- Your actual APR depends on your full credit history, income, the vehicle, the amount financed, the term and the lender. Lenders may charge a higher rate, and dealers may add a markup to the lender's buy rate. Always compare the APR on the signed retail installment contract.
- Payment includes estimated California sales tax for your ZIP, the $85 doc fee, the $35 electronic filing fee and an estimated DMV amount. It excludes optional add-ons, service contracts, GAP, trade-in payoff and rebates. Exact DMV fees and the out-the-door price are set in writing by the dealer.
Take it home
Want this vehicle?
Nicholas can confirm availability, run your numbers, and introduce you to the dealer on your terms.
Or build the whole deal yourself first — cash, finance or lease on this VIN, add-ons priced honestly.
Advice is always free. Partners pay us only if you choose an intro.
Watch this vehicle
We'll email you if the price on this one comes down or it sells — so you're not refreshing the page or wondering if you missed it.
Car Dogs is not the seller. Vehicles are offered by partner dealerships that pay us a flat referral fee only if you ask for an introduction and buy — never you, and never a share of your deal.
$33,275
2023 Volvo XC40 Ultimate