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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
All809£25,242438,1392,472
Aberdeen City9£29,033326,09722
Aberdeenshire1£32,995323,1005
Ards2£28,245344,7364
Ballymena2£20,473678,0001
Banbridge1£21,495547,0001
Bedfordshire13£25,781437,20848
Belfast6£24,628443,13612
Berkshire18£29,957318,31474
Bexley - Greater London1£20,990445,000-
Brent - Greater London1£16,509584,000-
Bristol16£20,960548,73040
Bromley - Greater London2£19,745572,084-
Buckinghamshire10£27,684337,14122
Cambridgeshire26£25,540437,71259
Cardiff1£38,99511,69613
Carmarthenshire1£29,995219,000-
Cheshire37£27,779425,68581
City of Edinburgh16£27,885325,16119
City of London - Greater London27£25,496335,976138
Coleraine1£24,995258,000-
Conwy4£31,375213,6797
Cornwall2£32,243425,3729
County Durham7£24,857540,71435
Craigavon1£29,499418,0004
Croydon - Greater London5£26,669331,44633
Cumbria1£23,995325,1883
Derbyshire11£25,637434,63652
Derry1£17,985383,745-
Devon6£24,257441,82433
Dorset4£25,243430,77412
Down2£17,750554,5004
Dumfries and Galloway1£25,990568,6623
Dundee City8£22,781330,21724
East Ayrshire1£24,998438,2978
East Dunbartonshire1£22,298550,608-
East Riding of Yorkshire5£25,103528,9949
East Sussex7£28,542322,23010
Enfield - Greater London1£19,490545,5661
Essex19£26,194422,99768
Falkirk2£24,098410,583-
Fermanagh2£19,495579,6301
Fife7£27,282439,22517
Glasgow City2£27,547217,33741
Gloucestershire6£32,041222,27331
Greater Manchester50£26,625332,660108
Hampshire33£28,175328,832147
Haringey - Greater London1£27,995343,000-
Hertfordshire18£27,851324,79971
Highland3£29,296440,99811
Hounslow - Greater London1£15,995080,000-
Inverclyde1£24,298516,5253
Kent35£27,451324,527119
Kingston upon Thames - Greater London2£19,293542,7001
Lancashire22£25,557438,07478
Leicestershire9£25,760438,96335
Lincolnshire10£22,679433,67418
Lisburn1£22,495543,8441
Magherafelt6£22,930666,633-
Merseyside9£27,150332,88425
Merthyr Tydfil1£23,399584,827-
Newport3£31,522215,58218
Newtownabbey3£23,995329,11910
Norfolk15£32,668213,82332
North Down1£20,995442,3741
North Lanarkshire1£24,498423,5806
North Yorkshire21£24,531431,84135
Northamptonshire13£27,546331,15937
Northumberland1£18,498629,801-
Nottinghamshire13£27,142432,78450
Omagh2£26,650438,5004
Oxfordshire7£29,790327,77346
Perth and Kinross7£27,500330,40421
Powys2£16,493690,5271
Renfrewshire8£29,611317,59318
Shropshire1£16,990668,6005
Somerset28£26,477330,11444
South Ayrshire2£20,668653,9788
South Yorkshire16£27,651337,63169
Staffordshire18£23,483438,59144
Stirling5£26,948336,24921
Suffolk11£26,912330,31036
Surrey13£26,695332,90837
Swansea8£28,210325,67020
Tyne and Wear13£27,086337,59151
Waltham Forest - Greater London2£19,692537,5064
Warwickshire3£26,422327,81012
West Dunbartonshire1£23,995661,0793
West Lothian1£20,498652,6641
West Midlands25£24,686436,13481
West Sussex25£24,194435,01353
West Yorkshire29£22,289426,98984
Wiltshire3£26,581330,21922
Worcestershire9£25,061335,80337
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