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Used Skoda Kodiaq on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Skoda Kodiaq on finance

  1. Research the Vehicle:

    • Learn about the Skoda Kodiaq's specifications, trim levels, and optional features.
    • Read reviews and user feedback.
    • Identify the variant and additional features you are interested in.
  2. Types of Finance Options:

    • Personal Contract Purchase (PCP): Pay a deposit, then monthly instalments. At the end, you can pay a balloon payment to own the car, return it, or trade it in for a new deal.
    • Hire Purchase (HP): After paying a deposit, you'll pay off the value of the car in monthly instalments. Once all payments are made, you own the car outright.
    • Personal Loan: Secure a loan from a bank or lender, purchase the car outright, and then repay the loan in instalments.
    • Leasing: You rent the car for a fixed period (usually 2-4 years) and then return it at the end.
  3. Shop Around:

    • Get multiple quotes from Skoda dealerships and independent finance providers.
    • Check the APR (Annual Percentage Rate) which includes all the costs of borrowing.
    • Consider any promotional deals from Skoda or specific dealerships.
  4. Credit Score Check:

    • Your credit rating can influence the interest rate offered.
    • Check your score using UK credit reference agencies like Experian, Equifax, or TransUnion.
    • Address any discrepancies before applying for finance.
  5. Set a Budget:

    • Decide on a comfortable monthly payment.
    • Remember: A larger deposit typically means lower monthly payments.
  6. Examine the Terms:

    • Understand any mileage limits, especially relevant for PCP or leasing deals.
    • Ensure you're aware of any fees or penalties for early repayment or exceeding agreed mileage.
  7. Negotiate:

    • Use your research to negotiate the price of the car and the terms of the finance deal.
    • It's not just about the monthly payment; consider the total amount repayable.
  8. Close the Deal:

    • Once satisfied, complete the required paperwork.
    • Make sure you understand all terms and conditions before signing.
    • Retain a copy of the agreement.
  9. Insurance:

    • Ensure you have car insurance in place before taking the vehicle.
    • Consider GAP insurance, which covers the difference between the outstanding finance and the car’s insurance valuation if it gets written off or stolen.
  10. End of Agreement Choices:

  • For PCP: Decide to make the balloon payment, return the vehicle, or enter a new agreement.
  • For HP: The vehicle is yours once you've made the final payment.
  • For leases: Ensure the car meets the return conditions to avoid penalties.
  1. Remember Additional Costs:
  • Consider road tax, maintenance, MOT (after the third year), and fuel.
  • For lease or PCP deals, be aware of potential charges for wear and tear that exceeds the agreed-upon limits.

Always ensure that any finance agreement aligns with your financial situation and long-term plans. If uncertain, seek advice from independent financial advisors or professionals before committing.

About the Skoda Kodiaq

When one thinks of an SUV that harmoniously combines style, practicality, and value, the Škoda Kodiaq often comes to mind. A relatively new entrant to the car scene, the Kodiaq has already made substantial inroads in the UK's SUV landscape.

Origins and Evolution: The Kodiaq's journey began in 2016, marking Škoda's ambitious foray into the large SUV domain. Named after the Kodiak bear from Alaska, this vehicle mirrored its namesake's strength and presence. From its initial unveiling, it was clear: Škoda was not just introducing an SUV; they were setting a new benchmark for what's expected in this segment.

Tailored for the British Climate and Roads: Designed with adaptability in mind, the Kodiaq navigates the diverse British terrains with ease. Whether it’s the rain-soaked streets of Manchester or the snowy roads of the North, the Kodiaq’s dynamic chassis control ensures stability. Its spacious interiors, capable of seating up to seven, makes it an ideal choice for families across Britain.

Facing the Competition: In a segment teeming with contenders like the Kia Sorento, Nissan X-Trail, and Peugeot 5008, the Kodiaq holds its own, thanks largely to its blend of functionality, premium feel, and competitive pricing. The signature Škoda 'Simply Clever' features further differentiate it, offering practical solutions that everyday drivers appreciate.

Final Thoughts: The Škoda Kodiaq is a testament to the brand's capability to craft a vehicle that resonates with the needs and desires of the modern UK driver. With its perfect blend of luxury, performance, and affordability, especially when considered with finance options, the Kodiaq stands as a compelling choice for those venturing into the SUV segment.

Skoda Kodiaq Data by County

Skoda Kodiaq data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All831£25,094437,7082,366
Aberdeen City7£27,936319,00715
Aberdeenshire3£31,662317,4174
Antrim1£18,495672,901-
Ards4£27,120433,5172
Ballymena2£20,973678,0001
Banbridge1£21,495547,0001
Bedfordshire17£26,438334,04543
Belfast4£25,246539,76510
Berkshire17£33,207210,39375
Brent - Greater London1£16,409585,000-
Bristol19£20,967551,76836
Bromley - Greater London2£19,745572,084-
Buckinghamshire10£28,048340,43521
Cambridgeshire28£23,188444,14054
Cardiff1£39,99511,69615
Ceredigion1£23,495326,2373
Cheshire27£27,409429,35382
City of Edinburgh16£27,335327,45516
City of London - Greater London38£28,176326,468122
Coleraine1£24,995258,0001
Conwy4£33,000217,2397
Cornwall3£27,827535,18610
County Durham7£26,950439,54430
Craigavon3£22,949547,3682
Croydon - Greater London8£22,831539,15930
Cumbria1£23,995325,1884
Derbyshire17£24,146438,83447
Devon10£25,925434,58830
Dorset6£24,463429,50110
Down2£17,873554,5005
Dundee City7£22,320434,48221
Dungannon1£20,990561,6771
East Ayrshire2£24,498532,2738
East Dunbartonshire1£22,298550,608-
East Riding of Yorkshire3£22,174442,97311
East Sussex4£30,081211,29613
Enfield - Greater London1£20,443545,5661
Essex20£24,326429,59261
Falkirk1£23,998612,799-
Fermanagh1£15,9956108,0001
Fife8£27,147433,00815
Glasgow City2£24,999428,74344
Gloucestershire10£27,719322,79728
Greater Manchester33£27,189332,364108
Hampshire42£27,025327,694134
Hertfordshire16£29,113320,08669
Highland3£30,495438,34411
Inverclyde1£24,298516,5253
Kent42£27,068323,971116
Kingston upon Thames - Greater London2£19,483542,7001
Lancashire19£25,354435,17183
Leicestershire5£25,215443,77136
Lincolnshire7£22,348433,51222
Magherafelt5£22,926670,560-
Merseyside11£24,966436,89425
Merthyr Tydfil1£23,360584,827-
Newport7£27,066219,24117
Newtownabbey3£24,328329,11910
Norfolk12£32,767214,98531
North Down1£32,99515,289-
North Lanarkshire1£24,498423,5806
North Yorkshire22£24,276429,65636
Northamptonshire15£25,084336,78238
Northumberland1£18,998629,7912
Nottinghamshire9£26,740440,46047
Omagh2£20,925672,8843
Oxfordshire9£26,728431,46246
Perth and Kinross6£27,167329,70217
Powys1£18,990583,5001
Renfrewshire9£32,542214,05616
Shropshire2£20,297541,8034
Somerset24£25,722428,37350
South Ayrshire3£21,963545,6248
South Yorkshire16£27,683332,49672
Staffordshire19£24,300433,31137
Stirling7£25,636340,63617
Strabane2£25,973439,0953
Suffolk14£26,995328,94933
Surrey9£23,486435,06235
Swansea9£26,827328,81919
Tyne and Wear19£27,000338,03748
Waltham Forest - Greater London5£22,451436,8351
Warwickshire2£27,733432,46515
West Dunbartonshire1£23,995661,0793
West Lothian1£20,498652,6641
West Midlands27£26,151331,66381
West Sussex23£23,684439,26550
West Yorkshire26£24,171423,53378
Wiltshire3£25,830335,18921
Worcestershire12£26,839332,33532
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