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Used Kia Sportage 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 Sportage on finance

Purchasing a used Kia Sportage through financing can be a smart and economical way to own this popular, stylish, and reliable SUV. Navigating through the financing process requires understanding and evaluating various aspects. Here’s a thorough guide to assist you in getting a used Kia Sportage on finance:

Preliminary Steps:

1. Define Your Budget:

  • Determine what you can afford, considering the down payment, monthly instalments, and additional costs (insurance, maintenance, etc.).

2. Credit Score:

  • Check your credit score; a higher score may qualify you for better financing terms.

3. Choose a Suitable Model:

  • Select a Kia Sportage that fits your preferences and budget, considering aspects like model year, features, and mileage.

4. Vehicle Check:

  • Ensure a comprehensive vehicle inspection, checking its mechanical condition and vehicle history report.

Financing Options:

1. Bank Loan:

  • Traditional personal loans from a bank, where you borrow money to purchase the car and repay in instalments.

2. Hire Purchase (HP):

  • Pay an initial deposit followed by fixed monthly payments. The car is yours once all payments are made.

3. Personal Contract Purchase (PCP):

  • Lower monthly payments with a large final payment if you wish to keep the car at the end of the agreement.

4. Lease Purchase:

  • Similar to PCP, but you are committed to buying the car at the end of the term.

5. Dealer Finance:

  • Financing through the car dealership. Ensure to compare these terms with other finance options.

6. Peer-to-Peer Lending:

  • Utilize online platforms to borrow directly from individual lenders, ensuring to verify platform credibility.

Purchase and Post-Purchase:

1. Select a Reliable Seller:

  • Ensure the seller/dealer has a reputation for transparency and offering vehicles in good condition.

2. Price Negotiation:

  • Engage in discussions to potentially lower the price or attain favourable terms.

3. Test Drive:

  • Validate the condition of the vehicle through a detailed test drive.

4. Finalize Finance:

  • Ensure understanding and comfort with the financial terms before finalizing the deal.

5. Insurance:

  • Before completing the purchase, make sure you have appropriate insurance in place.

6. Complete Paperwork:

  • Ensure all paperwork (V5C, MOT, service history, etc.) is accurate and secure.

Additional Considerations:

  • Depreciation: Understand how car value depreciation might impact your finance strategy.

  • Warranty: Explore warranty options and understand their coverages and durations.

  • Total Payment Awareness: Be clear about the total payment amount over the course of the finance period.

  • Early Repayment: Understand any terms or penalties related to early repayment of the finance.

Wrapping Up:

Financing a used Kia Sportage involves thorough preparation, understanding different finance options, and ensuring a smooth purchase process. Engage in in-depth research, utilize available tools, or consult with financial advisors to make an informed decision. With well-planned finance, you’ll be enjoying drives in your Kia Sportage knowing you’ve secured a deal that aligns with your financial health.

About the Kia Sportage

The Kia Sportage, ever since its debut, has represented Kia's commitment to meeting the needs of families and adventurers alike. With its robust design and commitment to value, it's little wonder that the Sportage has grown to be one of Kia's best-selling models globally and has garnered a particularly strong following in the UK.

From Humble Beginnings:

Introduced in the early 1990s, the Sportage was Kia's first foray into the SUV market. Over the years, it has undergone significant transformations, both in terms of aesthetics and technological advancements. Each iteration has showcased Kia's growing prowess in marrying design, functionality, and affordability.

A Blend of Style and Substance:

Recent models of the Sportage showcase a bold design with a distinctive tiger-nose grille and sharp, angular lines. Inside, it doesn't skimp on quality or features, boasting a modern infotainment system, plush seating, and a plethora of safety features. Its spacious interior ensures both driver and passengers enjoy comfort, even on longer journeys.

Amidst Stiff Competition:

The mid-size SUV market is fiercely competitive, with stalwarts like the Nissan Qashqai, Ford Kuga, and Peugeot 3008 vying for dominance. While each of these competitors brings their strengths to the table, the Sportage stands out with its generous warranty, comprehensive feature list, and an attractive price point.

Evolution with Electrification:

Kia, being attuned to the global shift towards greener transportation, has ensured the Sportage isn't left behind. Hybrid and plug-in hybrid variants offer environmentally-conscious buyers choices that reduce their carbon footprint without compromising on the Sportage experience.

Summing It Up:

The Kia Sportage, over its lifespan, has transformed from a value proposition to a genuine contender in the mid-size SUV segment, challenging established norms and pushing the boundaries of what's expected. For UK buyers who seek reliability, style, and value in one compelling package, the Sportage continues to be an attractive choice.

Buying Guide

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

Kia Sportage Data by County

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

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All7,052£17,931540,87415,537
Aberdeenshire57£19,001433,253129
Angus52£25,000217,14498
Ayrshire71£19,894435,810125
Bedfordshire126£14,397657,680176
Berkshire96£19,205538,678252
Blaenau Gwent7£15,497546,31222
Borders4£16,911534,95011
Bridgend43£22,339432,61289
Bristol72£18,130439,294151
Buckinghamshire77£16,622543,561242
Caerphilly10£8,735983,5198
Cambridgeshire250£18,074542,224460
Cardiff40£21,831326,96095
Carmarthenshire33£21,874324,39758
Cheshire226£20,402431,852467
Clackmannanshire4£13,248562,8352
Conwy9£12,551749,2978
Cornwall63£22,674321,21686
County Antrim92£17,427442,702194
County Armagh50£17,606546,66173
County Down40£18,464444,40385
County Durham109£15,127650,520218
County Fermanagh7£14,196558,60310
County Londonderry52£17,853548,25389
County Tyrone21£15,732558,50328
Cumbria23£17,433538,30345
Derbyshire118£15,371647,546392
Devon158£19,870436,185263
Dorset48£18,708540,328112
Dumfries & Galloway6£20,239321,3717
Dunbartonshire7£21,069332,3019
East Lothian3£12,781757,9944
East Riding of Yorkshire56£17,394438,297135
East Sussex64£19,492433,401136
Essex174£19,455434,704385
Falkirk21£16,091643,59330
Fife64£20,548426,792147
Flintshire5£4,49512109,7906
Gloucestershire45£14,391756,01795
Greater London276£18,657541,807676
Greater Manchester339£16,646643,914761
Gwynedd2£11,998646,9103
Hampshire162£17,129544,285415
Herefordshire23£26,736219,32142
Hertfordshire197£17,805541,684554
Highland56£22,463427,97877
Inverclyde9£18,353432,3636
Isle of Anglesey8£4,74512100,4614
Isle of Wight9£17,786541,06329
Kent209£18,825434,837478
Lanarkshire161£21,694326,053302
Lancashire216£16,825543,777496
Leicestershire190£24,043323,415309
Lincolnshire166£20,828433,566411
Merseyside100£20,498432,899244
Merthyr Tydfil6£14,230759,01814
Midlothian60£19,097433,387170
Monmouthshire13£23,111329,27523
Moray5£15,196632,02216
Neath Port Talbot1£14,995845,9443
Newport33£19,397433,92585
Norfolk151£19,205435,814365
North Yorkshire125£20,014430,500310
Northamptonshire56£15,872650,464156
Northumberland15£18,522432,41557
Nottinghamshire147£20,718431,012376
Oxfordshire57£22,937325,772145
Pembrokeshire17£21,278435,41033
Perth & Kinross33£19,017434,37158
Powys6£19,744428,96112
Renfrewshire38£22,678325,17995
Rhondda Cynon Taf27£14,194657,01334
Rutland1£14,650738,990-
Shropshire49£18,777536,840127
Somerset84£20,487434,135179
South Yorkshire194£17,216543,498472
Staffordshire210£21,825326,069460
Stirling25£24,141215,70062
Suffolk77£18,185436,922153
Surrey114£19,320434,893287
Swansea33£20,666432,71977
Torfaen3£10,328980,27711
Tyne and Wear104£16,734545,849172
Vale of Glamorgan6£11,958856,8869
Warwickshire56£19,981432,66298
West Lothian39£17,977435,92444
West Midlands282£17,416541,277590
West Sussex72£19,241437,290214
West Yorkshire263£19,032435,474596
Wiltshire61£18,891438,435186
Worcestershire54£17,500544,92190
Wrexham9£9,942768,9609
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