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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.

7,838 cars

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
All7,654£18,212540,07115,503
Aberdeenshire71£20,810430,600119
Angus53£24,548220,15995
Ayrshire70£20,965432,468143
Bedfordshire131£13,569761,648191
Berkshire118£19,486536,036249
Blaenau Gwent8£14,955549,16120
Borders4£19,710320,17212
Bridgend53£23,452327,906100
Bristol67£18,162440,714152
Buckinghamshire75£17,784541,686241
Caerphilly10£8,786983,4707
Cambridgeshire240£18,454439,842483
Cardiff46£21,135430,92997
Carmarthenshire32£22,623326,97653
Cheshire216£20,466431,715498
Clackmannanshire1£18,498346,7486
Conwy9£11,057863,85812
Cornwall60£23,290318,256105
County Antrim92£17,705442,460202
County Armagh60£17,593543,91671
County Down48£18,456441,63173
County Durham112£16,673546,330223
County Fermanagh8£13,910559,9419
County Londonderry61£18,175545,82184
County Tyrone27£15,774560,10024
Cumbria25£16,107543,62643
Derbyshire143£16,378542,822359
Devon156£21,147431,753272
Dorset47£19,408434,938127
Dumfries & Galloway6£16,155535,1489
Dunbartonshire5£21,898327,83910
East Lothian3£9,780961,3655
East Riding of Yorkshire72£17,736439,737131
East Sussex82£21,365428,057132
Essex178£20,955428,807391
Falkirk17£16,040542,67735
Fife71£20,453326,446134
Flintshire2£6,9981278,9819
Gloucestershire42£14,022758,991102
Greater London309£19,119439,441630
Greater Manchester386£16,872544,005715
Gwynedd1£6,4909130,1515
Hampshire194£18,515540,204420
Herefordshire20£25,278319,98243
Hertfordshire221£18,965438,329544
Highland55£23,490326,82383
Inverclyde6£19,281428,4756
Isle of Anglesey9£5,8071195,4093
Isle of Wight15£20,931433,12424
Kent251£18,997435,642490
Lanarkshire156£21,262328,241315
Lancashire240£17,644541,449498
Leicestershire185£24,037321,896303
Lincolnshire171£20,493433,171425
Merseyside107£20,355431,899233
Merthyr Tydfil9£15,259649,30311
Midlothian68£19,724428,319166
Monmouthshire10£20,165438,90322
Moray6£15,079631,52315
Neath Port Talbot2£13,493847,9723
Newport48£22,845221,55598
Norfolk181£20,059432,683346
North Yorkshire128£19,801430,725322
Northamptonshire77£16,008650,362147
Northumberland23£19,911329,97850
Nottinghamshire165£20,398431,183364
Oxfordshire57£21,236432,100134
Pembrokeshire15£21,149434,99640
Perth & Kinross36£21,116429,84261
Powys9£21,883330,02711
Renfrewshire48£20,691430,44491
Rhondda Cynon Taf24£15,007653,77034
Rutland1£14,650738,990-
Shropshire58£19,962432,161122
Somerset86£19,171437,607172
South Yorkshire232£19,063437,552453
Staffordshire208£21,233428,615470
Stirling31£22,887321,95559
Suffolk90£19,096433,501168
Surrey132£19,631436,373280
Swansea41£22,433325,55972
Torfaen3£9,1281076,5679
Tyne and Wear107£17,621542,482185
Vale of Glamorgan7£10,6021056,6289
Warwickshire48£17,751540,84598
West Lothian41£20,234431,29041
West Midlands319£18,626437,089621
West Sussex76£19,266535,972205
West Yorkshire294£18,777435,768567
Wiltshire59£18,956435,693184
Worcestershire62£19,225539,33397
Wrexham6£11,359746,91911
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