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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
All6,301£17,042544,29713,291
Aberdeen City32£23,074321,18497
Aberdeenshire26£23,762319,81245
Angus9£21,295322,93131
Antrim21£19,555437,51271
Ards14£21,802332,63441
Armagh4£6,69810116,3985
Ballymena16£17,721538,57321
Ballymoney6£9,403974,5003
Barking & Dagenham - Greater London5£11,112786,7496
Barnet - Greater London3£22,993332,9252
Bedfordshire119£14,313657,958180
Belfast19£17,179534,66640
Berkshire87£19,052538,218222
Blaenau Gwent3£24,33202,22115
Brent - Greater London7£13,789680,2864
Bristol84£17,009542,886123
Bromley - Greater London16£25,026323,36840
Buckinghamshire97£20,079433,374205
Cambridgeshire256£18,848538,456420
Cardiff8£25,485317,1795
Carmarthenshire3£15,658547,47116
Carrickfergus2£16,995327,6981
Ceredigion8£11,495973,62711
Cheshire183£19,265534,493452
City of Edinburgh40£20,309433,809164
City of London - Greater London33£19,432539,69846
Coleraine25£17,389551,30942
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall16£18,902542,59523
County Durham120£16,117644,967191
Craigavon2£17,490545,35513
Croydon - Greater London34£27,852219,12886
Cumbria25£19,101533,95148
Denbighshire1£16,499634,7901
Derbyshire163£16,685541,538351
Derry16£18,146655,53916
Devon117£20,371435,974249
Dorset43£19,173537,56574
Down4£20,359438,7258
Dumfries and Galloway3£11,428959,10610
Dundee City40£23,497323,27650
Dungannon7£14,752666,10717
Ealing - Greater London1£15,798664,1006
East Ayrshire12£15,249644,89624
East Dunbartonshire2£11,598853,7366
East Lothian3£6,9131271,263-
East Riding of Yorkshire16£17,342446,89031
East Sussex43£22,156322,473116
Enfield - Greater London15£19,837441,33748
Essex216£21,382429,500297
Falkirk20£12,564853,19632
Fermanagh11£15,933554,70910
Fife65£23,248324,330126
Flintshire2£5,190895,7711
Glasgow City112£20,360431,843250
Gloucestershire46£15,502651,11476
Greater Manchester425£17,999538,624747
Greenwich - Greater London1£21,490319,7601
Gwynedd2£19,495430,7704
Hampshire172£17,035542,289422
Harrow - Greater London4£9,545871,12111
Havering - Greater London67£15,959645,851130
Herefordshire33£26,595211,08643
Hertfordshire162£19,706536,921425
Highland32£24,370323,33779
Hillingdon - Greater London12£9,304877,12731
Hounslow - Greater London39£24,792321,977118
Inverclyde4£15,498639,7237
Isle of Anglesey2£4,49511104,8505
Isle of Wight20£18,702531,56126
Kent113£19,771534,172318
Kingston upon Thames - Greater London4£10,686970,8835
Lancashire226£17,541542,525465
Larne1£13,995645,6432
Leicestershire195£25,396319,598339
Lincolnshire148£20,769429,651370
Lisburn13£19,992435,15917
Magherafelt9£16,336548,2225
Merseyside85£18,987533,899181
Merthyr Tydfil5£12,074859,57010
Merton - Greater London4£9,834874,4398
Monmouthshire1£3,6951495,000-
Moray8£20,770422,98822
Neath Port Talbot2£12,997857,9371
Newport3£11,615861,3399
Newry and Mourne30£19,435437,49754
Newtownabbey22£17,211544,14246
Norfolk169£19,672431,099299
North Ayrshire12£12,186753,87019
North Down9£16,547643,3418
North Lanarkshire25£19,067433,79777
North Yorkshire92£19,031434,567294
Northamptonshire55£14,660655,617108
Northumberland19£16,241533,84840
Nottinghamshire141£20,382430,725354
Omagh2£13,745779,1762
Oxfordshire55£23,433323,686128
Pembrokeshire1£9,495975,5005
Perth and Kinross38£22,398424,58160
Redbridge - Greater London1£6,2991151,0001
Renfrewshire31£21,343327,157126
Rhondda Cynon Taf25£13,670761,81642
Scottish Borders6£18,788527,2195
Shropshire56£20,652429,230110
Somerset76£20,813429,844141
South Ayrshire32£23,516221,88481
South Lanarkshire3£11,330962,3963
South Yorkshire174£17,188541,837470
Staffordshire109£17,970534,622224
Stirling29£23,156324,31573
Strabane2£20,245452,1477
Suffolk66£17,202541,296145
Surrey116£22,183328,425284
Sutton - Greater London3£9,393976,9136
Swansea4£10,624968,6564
The Vale of Glamorgan2£8,2501067,4507
Tyne and Wear93£16,189647,581169
Warwickshire20£13,162750,87733
West Dunbartonshire4£12,773760,56212
West Lothian23£17,142539,43768
West Midlands229£17,898540,112566
West Sussex53£17,669536,655113
West Yorkshire270£18,836536,039556
Wiltshire73£19,341434,868178
Worcestershire51£17,007641,15797
Wrexham1£4,4951310,1003
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