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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
All6,633£17,394543,76013,841
Aberdeen City36£22,455321,15791
Aberdeenshire29£23,345322,87540
Angus11£20,794423,29241
Antrim16£16,898548,19873
Ards15£22,828330,12933
Armagh4£6,48411114,1705
Ballymena15£18,070538,23727
Ballymoney6£9,286981,7082
Banbridge1£21,995323,0004
Barking & Dagenham - Greater London5£12,395780,6389
Barnet - Greater London3£20,829333,4758
Bedfordshire128£14,599658,443187
Belfast19£15,486642,19545
Berkshire107£19,302537,462236
Bexley - Greater London7£16,242532,1379
Blaenau Gwent9£16,183537,27222
Brent - Greater London7£13,257774,8003
Bristol68£15,974646,122118
Bromley - Greater London15£24,674324,10645
Buckinghamshire97£20,264433,175202
Caerphilly5£9,395990,23311
Cambridgeshire253£18,849536,612444
Cardiff23£21,401431,05817
Carmarthenshire4£13,491654,17515
Carrickfergus1£16,495334,945-
Ceredigion17£11,985964,17015
Cheshire190£19,733431,815467
City of Edinburgh37£19,869433,157164
City of London - Greater London147£19,717434,091267
Coleraine25£18,658444,49943
Conwy4£10,245973,5005
Cookstown2£17,468557,5001
Cornwall31£22,801325,41631
County Durham111£16,747644,243202
Craigavon5£16,453551,6888
Croydon - Greater London34£27,556324,61092
Cumbria22£19,369534,19953
Denbighshire1£16,499634,7901
Derbyshire154£16,588542,316347
Derry15£16,661657,33219
Devon134£20,640434,139245
Dorset45£19,246534,21071
Down5£18,646540,1998
Dumfries and Galloway7£16,682638,69711
Dundee City16£15,072654,69321
Dungannon11£15,590668,41414
Ealing - Greater London1£15,798664,1006
East Ayrshire15£14,241649,48728
East Dunbartonshire3£16,831440,6267
East Lothian2£5,2731481,476-
East Riding of Yorkshire33£16,532645,73657
East Sussex58£19,019532,907126
Enfield - Greater London19£22,584430,78943
Essex209£21,448429,512302
Falkirk19£12,824853,24234
Fermanagh13£14,981559,5108
Fife71£22,167323,623170
Flintshire3£8,394882,9014
Glasgow City61£19,272434,079144
Gloucestershire46£15,720754,88682
Greater Manchester415£17,175642,489744
Greenwich - Greater London1£21,490319,7602
Gwynedd2£19,495430,7705
Hampshire166£17,401642,667419
Harrow - Greater London9£9,486876,47810
Havering - Greater London33£15,388649,12576
Herefordshire32£25,056317,15642
Hertfordshire185£19,247439,507432
Highland42£23,617323,21280
Hillingdon - Greater London10£9,584872,90133
Hounslow - Greater London44£25,445321,304121
Inverclyde4£12,873742,9026
Isle of Anglesey3£5,3281188,7924
Isle of Wight20£18,402533,27927
Kent154£20,640432,778398
Kingston upon Thames - Greater London4£11,111956,6614
Lancashire214£17,753542,598463
Leicestershire165£24,782321,207319
Lincolnshire142£20,996430,042389
Lisburn10£21,768331,19119
Magherafelt8£17,920542,0005
Merseyside92£17,555539,853195
Merthyr Tydfil8£14,023756,2157
Merton - Greater London6£9,971866,5738
Monmouthshire2£8,7231076,0004
Moray8£20,833421,65920
Neath Port Talbot1£15,995845,9442
Newport20£14,195654,31327
Newry and Mourne34£19,082438,61463
Newtownabbey15£18,238546,09655
Norfolk177£20,101430,500294
North Ayrshire9£11,704754,58317
North Down9£17,657535,2649
North Lanarkshire43£20,640430,777122
North Yorkshire89£18,697535,428284
Northamptonshire73£15,576652,881118
Northumberland17£18,365531,01837
Nottinghamshire166£20,278430,723362
Omagh3£18,095557,1633
Oxfordshire73£23,073323,822121
Pembrokeshire2£16,495644,5557
Perth and Kinross33£21,490425,57260
Powys5£21,974327,49914
Redbridge - Greater London2£15,350656,5002
Renfrewshire38£20,738430,236116
Rhondda Cynon Taf24£14,985654,22336
Scottish Borders2£20,149216,2565
Shropshire45£19,386435,131100
Somerset100£20,896430,924132
South Ayrshire30£24,514218,36987
South Lanarkshire42£20,111431,93277
South Yorkshire185£17,279541,648447
Staffordshire110£18,014534,529250
Stirling37£23,621322,29176
Strabane2£22,745328,5276
Suffolk74£16,157643,853146
Surrey88£19,783534,969223
Sutton - Greater London4£9,083973,5356
Swansea11£13,380762,2938
The Vale of Glamorgan3£8,5831065,6927
Tyne and Wear102£17,398543,207241
Warwickshire48£18,098539,81273
West Dunbartonshire3£13,114764,88110
West Lothian22£17,306543,66958
West Midlands216£17,594541,855579
West Sussex52£17,001640,553107
West Yorkshire255£18,303536,828534
Wiltshire90£20,777430,473180
Worcestershire46£18,246540,451119
Wrexham4£8,5711088,0886
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