Automatic transmission failure
Early XC90 automatics — especially behind the T6 engine — slip, shift hard, and fail outright in large numbers. Any flare between gears or clunky downshift on the test drive is disqualifying unless the price reflects a rebuild. A replaced or rebuilt transmission with paperwork is the best version of this truck.
Ask for repair records covering this item. If it hasn't been addressed and the car is in or near the mileage window, price the $3,000–$5,500 repair into your offer — or make it the seller's problem.