Get a Carsnitch Report for Free Owner, price, MOT & dealer.

Used Kia Ceed on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Kia Ceed on finance

Acquiring a used Kia Ceed through finance can be a smart way to make the vehicle your own without the need for an immediate full payment. Here’s a step-by-step guide to understanding the finance options and processes for securing a used Kia Ceed:

1. Gauge Your Financial Position:

  • Budget Appropriately: Ensure the vehicle and its associated costs (insurance, maintenance) fit into your budget.
  • Credit Assessment: Understand that your credit score will impact your financing options and rates.

2. Understand Financing Alternatives:

a. Bank Loan:
  • Pros: Possibility of lower rates and direct dealings with your bank.
  • Cons: Can be strict on creditworthiness.
b. Hire Purchase (HP):
  • Pros: Clear and straightforward route to vehicle ownership.
  • Cons: Generally involves higher monthly payments.
c. Personal Contract Purchase (PCP):
  • Pros: Lower monthly costs and flexibility at the contract’s end.
  • Cons: May cost more overall if you opt to purchase the vehicle at the end.
d. Dealership Financing:
  • Pros: Streamlined purchase and finance process, potentially more lenient credit checks.
  • Cons: Potentially higher interest rates.

3. Navigate Through the Purchase:

a. Choosing a Reputed Dealer:
  • Opt for dealerships with strong reviews and transparent processes.
b. Negotiation:
  • Gain insights into the prevailing market price of the used Kia Ceed to negotiate effectively.
c. Contract Scrutiny:
  • Ensure you read and understand all elements of the contract.
d. Insurance:
  • Ensure insurance is arranged from day one of your ownership.

4. Ongoing Management of Vehicle and Finance:

  • Vehicle Maintenance: Keeping the vehicle in top condition ensures reliability and strong future resale value.
  • Finance Management: Stay on top of your payment schedule to safeguard your credit score.

5. Expert Advice:

  • Vehicle Check: Ensure a comprehensive check of the vehicle’s history and condition.
  • Depreciation: Remember cars depreciate; choose a model and plan that considers this.
  • Extended Warranty: Decide if an extended warranty is beneficial for you.

Conclusion:

Navigating through the finance options for a used Kia Ceed can be seamless when equipped with the right knowledge and preparation. Ensure you have a clear understanding of your financial capabilities, coupled with a discerning approach to choosing and managing your finance option. Meticulous attention to vehicle and finance management throughout your ownership period will pave the way for a satisfactory and hassle-free experience.

About the Kia Ceed

The Kia Ceed, a versatile and practical hatchback, has gained a strong following among British drivers who prioritize affordability, efficiency, and modern design in their vehicles. In a country where compact size and urban convenience are highly valued, the Ceed has established itself as a trusted choice for city living. In this article, we'll explore the standout features of the Kia Ceed, introduce its competitors in the UK market, and discuss the appealing financing options available for this reliable hatchback.

Kia Ceed Key Features:

  • Contemporary Design: The Ceed boasts a modern design with sleek lines and stylish features, making it a fashionable presence on British roads.
  • Compact Versatility: Despite its compact size, the Ceed offers ample interior space and practicality, making it suitable for both city driving and longer journeys.
  • Efficient Powertrains: The Ceed is available with a range of petrol and diesel engines, providing good fuel economy and reducing running costs for daily commutes.
  • Advanced Technology: Inside, you'll find a user-friendly infotainment system and available driver assistance features that enhance safety and convenience.

Rivals in the UK Market:

The Kia Ceed faces competition from other compact hatchbacks in the UK's city car segment:

  • Ford Focus: The Focus offers a combination of practicality and engaging driving dynamics, with a comfortable cabin and a range of engine options.
  • Volkswagen Golf: Volkswagen's Golf is known for its premium feel, a well-crafted interior, and advanced tech features, appealing to those who seek a high-quality hatchback.
  • Toyota Corolla: The Corolla combines efficiency with reliability, offering a comfortable interior and a range of hybrid powertrains for eco-conscious drivers.
  • Hyundai i30: Hyundai's i30 features a modern design, efficient engines, and advanced safety technology, providing a well-rounded package for urban and suburban driving.

Conclusion:

The Kia Ceed, with its contemporary design, efficient powertrains, and practical versatility, has become a stylish and reliable hatchback for British drivers who demand affordability and convenience. In a country where compact size and urban living are essential, the Ceed delivers a compelling package. With flexible financing options, owning this dependable hatchback becomes an accessible and attractive proposition for those who seek a vehicle that complements their UK lifestyle.

Buying Guide

Want to find out everything about all Ceed models, pros and cons, what to look out for and everything else you need to know? Check out our Kia Ceed buying guide here.

Kia Ceed Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,298£11,838748,7642,351
Aberdeen City3£12,332539,40512
Aberdeenshire3£13,932438,4716
Angus2£13,495560,0673
Antrim1£18,29929,3687
Ards5£16,281432,9358
Ballymoney1£4,29512119,0001
Banbridge1£4,39012102,820-
Barking & Dagenham - Greater London2£2,99817105,532-
Bedfordshire32£7,681967,09146
Belfast2£11,995737,2332
Berkshire23£11,571740,47520
Bexley - Greater London1£12,153742,556-
Blaenau Gwent1£13,999544,1935
Bristol13£9,235960,29219
Bromley - Greater London1£21,50023,5006
Buckinghamshire21£10,204763,71729
Cambridgeshire74£11,604654,476105
Cardiff3£12,529560,3865
Carmarthenshire2£8,995851,5411
Ceredigion6£8,204779,925-
Cheshire38£13,054539,64971
City of Edinburgh6£9,112958,95522
City of London - Greater London7£12,191742,1058
Clackmannanshire1£13,498641,074-
Coleraine6£14,131535,30613
Conwy1£5,4951187,654-
Cornwall8£13,216644,2907
County Durham16£11,573751,38048
Croydon - Greater London3£15,595325,9724
Cumbria1£10,180854,9299
Derbyshire29£10,582748,07164
Derry7£26,855532,4586
Devon23£10,758752,37848
Dorset6£14,343543,81013
Dumfries and Galloway2£14,748521,4332
Dundee City8£10,546766,3028
Dungannon2£8,723686,5001
Ealing - Greater London1£3,1951490,7611
East Ayrshire4£11,249740,9115
East Lothian1£13,7995-3
East Riding of Yorkshire6£8,138971,9857
East Sussex9£16,757318,00212
Enfield - Greater London2£16,183424,3583
Essex38£15,613430,13346
Falkirk5£11,033750,40415
Fermanagh1£13,495465,8412
Fife13£14,501436,22733
Glasgow City20£12,081652,33231
Gloucestershire8£12,952550,9547
Greater Manchester106£10,024855,916169
Hampshire35£13,365634,36973
Havering - Greater London7£9,650854,5639
Herefordshire2£17,145416,3832
Hertfordshire38£13,249541,45670
Highland4£15,019441,63414
Hillingdon - Greater London4£7,7071076,0387
Hounslow - Greater London2£21,07529,1223
Isle of Wight1£5,9991272,0001
Kent23£12,142747,05134
Lancashire36£10,512759,98797
Larne2£6,9931079,000-
Leicestershire31£10,959654,24168
Limavady1£9,250852,000-
Lincolnshire41£13,887536,95268
Lisburn1£6,9951163,2034
Magherafelt2£7,7231084,5002
Merseyside16£10,121851,65323
Merthyr Tydfil1£7,499842,0151
Moray4£13,495542,8981
Neath Port Talbot1£7,99013--
Newport1£6,1991254,188-
Newry and Mourne9£15,251329,7759
Newtownabbey3£15,848525,42410
Norfolk27£13,686539,89365
North Ayrshire1£9,699751,7501
North Down2£7,4731066,5003
North Lanarkshire7£9,575852,40219
North Yorkshire22£13,446534,83364
Northamptonshire11£8,483966,28733
Northumberland6£14,432328,3176
Nottinghamshire26£12,682641,97043
Oxfordshire6£14,357627,89213
Pembrokeshire2£6,770986,225-
Perth and Kinross4£19,36529,88314
Renfrewshire4£11,747749,80918
Rhondda Cynon Taf15£12,800642,87519
Shropshire8£15,287430,77416
Somerset16£16,892325,82032
South Ayrshire1£15,998438,69213
South Lanarkshire2£15,395429,5005
South Yorkshire34£8,761865,91373
Staffordshire25£12,261643,73061
Stirling8£16,180422,33422
Strabane1£15,990425,628-
Suffolk14£9,845852,12417
Surrey16£9,686672,72432
The Vale of Glamorgan1£7,500877,5001
Tyne and Wear24£11,179754,61841
Warwickshire9£10,557657,95316
West Dunbartonshire2£12,848546,630-
West Lothian4£7,108981,79010
West Midlands67£11,981650,237111
West Sussex7£9,802949,83213
West Yorkshire52£11,525747,644108
Wiltshire17£10,758955,60031
Worcestershire17£13,334539,77622
Add postcode for better results.