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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
All6,256£17,170544,30913,116
Aberdeen City31£22,819322,53794
Aberdeenshire27£23,147323,07546
Angus9£20,539325,82132
Antrim23£19,551438,64070
Ards16£21,719334,48442
Armagh4£6,69810116,3984
Ballymena12£18,374435,87322
Ballymoney5£10,493868,8553
Barking & Dagenham - Greater London4£12,842781,7207
Barnet - Greater London3£22,893332,9252
Bedfordshire113£13,985659,001173
Belfast21£17,333536,87639
Berkshire93£19,779435,906217
Blaenau Gwent3£23,83213,04213
Brent - Greater London4£13,452673,2505
Bristol81£17,420541,937125
Bromley - Greater London15£28,357216,14943
Buckinghamshire107£19,911433,869204
Cambridgeshire264£19,054437,192423
Cardiff4£13,785735,4612
Carmarthenshire3£15,492547,47115
Carrickfergus1£17,495320,4502
Ceredigion3£15,995653,9442
Cheshire185£19,068534,551440
City of Edinburgh47£20,237432,443158
City of London - Greater London20£21,746328,58931
Coleraine24£17,021553,04443
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall16£18,886542,81722
County Durham117£15,581645,791186
Craigavon2£12,490758,46614
Croydon - Greater London38£27,538319,96582
Cumbria25£19,499432,37349
Derbyshire165£16,892540,463355
Derry13£18,246657,95316
Devon114£20,413435,964237
Dorset46£21,330432,24982
Down4£20,359438,7258
Dumfries and Galloway3£11,428959,1069
Dundee City34£23,827322,56155
Dungannon6£14,619665,19019
East Ayrshire15£14,592649,29524
East Lothian3£6,9131271,263-
East Riding of Yorkshire9£15,394543,16921
East Sussex41£22,973320,761108
Enfield - Greater London20£20,377438,12148
Essex217£21,147429,365304
Falkirk20£12,276854,83030
Fermanagh11£15,933554,7099
Fife57£23,472322,894126
Flintshire2£5,000895,7711
Glasgow City111£20,004432,346250
Gloucestershire50£15,637650,16372
Greater Manchester399£18,588537,408778
Gwynedd2£19,495430,7704
Hampshire168£16,995642,352409
Harrow - Greater London3£8,862870,00111
Havering - Greater London65£16,500642,567127
Herefordshire35£25,536314,54642
Hertfordshire167£19,311537,377426
Highland34£23,357324,22073
Hillingdon - Greater London16£9,361874,38329
Hounslow - Greater London6£9,636974,306145
Inverclyde3£13,165639,6107
Isle of Anglesey2£4,49511104,8503
Isle of Wight18£18,542534,09125
Kent120£18,653537,445319
Kingston upon Thames - Greater London5£11,269868,0465
Lancashire233£17,402542,664474
Larne1£13,995645,6432
Leicestershire206£25,571219,560335
Limavady2£17,745336,5002
Lincolnshire153£20,343430,661376
Lisburn14£20,007436,33319
Magherafelt10£16,336546,2004
Merseyside82£18,303535,589160
Merthyr Tydfil3£13,498860,54712
Merton - Greater London4£10,459875,4399
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray7£20,710321,25522
Neath Port Talbot3£13,163754,0781
Newport1£9,295967,4776
Newry and Mourne32£19,007438,90955
Newtownabbey27£17,217547,17647
Norfolk149£19,332433,251314
North Ayrshire15£12,208752,95217
North Down9£18,603429,1239
North Lanarkshire27£19,108434,49668
North Yorkshire113£18,477437,054286
Northamptonshire55£14,374654,643112
Northumberland16£15,110639,91129
Nottinghamshire142£20,290432,027350
Omagh3£11,495887,1792
Oxfordshire51£23,587322,679131
Pembrokeshire1£9,495975,5004
Perth and Kinross39£21,953424,88156
Renfrewshire34£19,727431,347120
Rhondda Cynon Taf24£14,436760,64842
Scottish Borders7£19,732527,2755
Shropshire52£20,095430,756111
Somerset81£20,359431,456136
South Ayrshire33£23,112223,14678
South Lanarkshire3£11,330962,3963
South Yorkshire165£17,056541,620458
Staffordshire117£17,899534,797217
Stirling29£23,351322,14269
Strabane3£20,628338,1487
Suffolk65£16,386644,455141
Surrey108£22,202328,021282
Sutton - Greater London2£10,4901070,6007
Swansea4£10,312968,6563
The Vale of Glamorgan2£8,1251067,4507
Tyne and Wear96£16,284547,200169
Warwickshire17£14,356645,35935
West Dunbartonshire3£10,032968,05613
West Lothian27£18,105537,41064
West Midlands240£17,571541,411540
West Sussex53£17,908537,660116
West Yorkshire264£18,635536,822544
Wiltshire68£19,668434,734170
Worcestershire49£17,480540,88985
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