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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
All6,464£17,072544,24813,287
Aberdeen City33£22,890321,45297
Aberdeenshire27£23,808319,46144
Angus11£21,104322,23730
Antrim23£19,723435,47970
Ards15£21,641333,40341
Armagh4£6,69810116,3985
Ballymena15£17,175540,77824
Ballymoney6£9,403974,5003
Barking & Dagenham - Greater London5£11,112786,7496
Barnet - Greater London2£22,645334,8373
Bedfordshire119£14,366657,995185
Belfast19£17,179534,66541
Berkshire87£19,039538,479229
Blaenau Gwent4£21,374312,16615
Brent - Greater London7£13,789680,2864
Bristol82£16,615644,373123
Bromley - Greater London18£25,018323,34938
Buckinghamshire101£19,546434,775205
Cambridgeshire266£18,924437,997425
Cardiff8£25,498317,1795
Carmarthenshire3£15,658547,47116
Carrickfergus2£16,995327,6981
Ceredigion7£11,7091072,85911
Cheshire187£19,410533,912451
City of Edinburgh43£20,195434,596162
City of London - Greater London34£19,539539,24946
Coleraine25£17,389551,30944
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall17£19,158540,67122
County Durham124£16,106645,395191
Craigavon2£17,490545,35513
Croydon - Greater London35£27,247220,26285
Cumbria25£19,101533,95148
Denbighshire1£16,499634,7901
Derbyshire164£16,714541,610352
Derry16£18,146655,53916
Devon121£20,523435,023248
Dorset42£19,360536,34973
Down4£20,359438,7259
Dumfries and Galloway3£11,428959,10610
Dundee City39£23,356323,87350
Dungannon8£15,157661,09416
Ealing - Greater London1£15,798664,1006
East Ayrshire12£15,249644,89624
East Dunbartonshire2£11,748853,7366
East Lothian3£6,9471271,263-
East Riding of Yorkshire15£15,635551,09430
East Sussex43£22,221322,629117
Enfield - Greater London16£20,085440,14547
Essex221£21,273429,992297
Falkirk20£12,346854,83031
Fermanagh11£15,933554,70910
Fife69£23,103324,443127
Flintshire2£5,190895,7711
Glasgow City113£20,305431,545252
Gloucestershire42£15,704651,91073
Greater Manchester440£18,128538,156745
Greenwich - Greater London1£21,490319,7601
Gwynedd2£19,495430,7704
Hampshire174£17,352542,051426
Harrow - Greater London4£9,545871,12111
Havering - Greater London67£15,945645,751129
Herefordshire32£26,426211,35043
Hertfordshire168£19,700537,522423
Highland37£24,510322,65475
Hillingdon - Greater London13£9,331877,17930
Hounslow - Greater London43£24,827321,565119
Inverclyde4£15,498639,7237
Isle of Anglesey2£4,49511104,8505
Isle of Wight22£19,170530,71224
Kent112£20,051434,036319
Kingston upon Thames - Greater London4£10,686970,8835
Lancashire233£17,769541,732462
Larne1£13,995645,6432
Leicestershire204£25,330319,829332
Lincolnshire152£20,987429,262370
Lisburn14£19,206439,18416
Magherafelt9£16,336548,2225
Merseyside85£19,533432,624178
Merthyr Tydfil7£14,174654,8928
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 Mourne31£19,582436,61154
Newtownabbey23£17,017544,39646
Norfolk172£19,913430,138299
North Ayrshire13£13,548650,01418
North Down10£16,632541,7138
North Lanarkshire24£19,393432,36677
North Yorkshire93£19,103434,438294
Northamptonshire56£14,966654,569111
Northumberland21£18,407529,44437
Nottinghamshire145£20,296430,933352
Omagh2£13,745779,1762
Oxfordshire62£23,328323,007122
Pembrokeshire1£9,495975,5005
Perth and Kinross38£22,724323,24561
Redbridge - Greater London1£6,2991151,0001
Renfrewshire33£21,170428,036124
Rhondda Cynon Taf26£14,429759,48441
Scottish Borders5£19,323528,7685
Shropshire58£20,146431,288107
Somerset81£20,887429,836143
South Ayrshire34£23,765220,92178
South Lanarkshire3£11,330962,3963
South Yorkshire175£17,588540,683478
Staffordshire115£18,298534,002222
Stirling31£22,832325,07875
Strabane2£20,245452,1477
Suffolk68£17,183541,423148
Surrey121£21,775429,603288
Sutton - Greater London3£9,563976,9136
Swansea4£10,624968,6564
The Vale of Glamorgan2£8,2501067,4507
Tyne and Wear94£16,131647,872175
Warwickshire20£13,142750,87733
West Dunbartonshire4£12,773760,56212
West Lothian23£16,529542,60866
West Midlands232£17,901540,088570
West Sussex55£18,037535,740111
West Yorkshire278£19,056535,412550
Wiltshire77£19,622433,918178
Worcestershire49£17,315540,484104
Wrexham1£4,4951310,1003
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