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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
All5,966£16,852544,59213,811
Aberdeen City30£21,461324,956106
Aberdeenshire15£22,359321,02556
Angus10£22,255332,79627
Antrim14£21,190330,90367
Ards13£17,227454,66544
Armagh4£6,62310116,3983
Ballymena4£19,803327,95928
Ballymoney7£9,230977,8697
Barking & Dagenham - Greater London3£12,041690,9605
Barnet - Greater London5£18,163440,1034
Bedfordshire100£10,956870,944176
Belfast24£16,135544,64034
Berkshire102£20,015434,531225
Blaenau Gwent2£23,49912,7419
Brent - Greater London4£12,516688,0006
Bristol83£18,070540,228143
Bromley - Greater London21£27,681212,89243
Buckinghamshire93£19,353436,485235
Cambridgeshire257£18,305539,794412
Carmarthenshire3£14,992655,8657
Ceredigion2£18,495647,9015
Cheshire233£19,422432,039458
City of Edinburgh42£16,783541,611149
City of London - Greater London16£23,349326,95532
Clackmannanshire2£15,248567,051-
Coleraine18£18,360445,96249
Conwy3£11,662755,0505
Cookstown2£17,468557,5002
Cornwall21£16,913542,75330
County Durham116£15,175648,251206
Craigavon5£13,592661,56212
Croydon - Greater London38£27,293320,68170
Cumbria22£17,707541,10951
Derbyshire120£16,455541,163384
Derry13£16,924661,97917
Devon139£20,822433,895242
Dorset50£23,171324,10193
Down2£17,223544,4009
Dumfries and Galloway3£14,095745,7818
Dundee City24£23,147321,11670
Dungannon6£12,828669,26821
Ealing - Greater London1£17,900459,4005
East Ayrshire15£14,284548,30328
East Lothian2£16,547828,9423
East Riding of Yorkshire11£14,815544,67826
East Sussex51£21,467326,221102
Enfield - Greater London19£18,183541,60151
Essex173£20,117431,223345
Falkirk20£13,002747,70427
Fermanagh7£14,411561,03310
Fife47£21,114326,887139
Flintshire1-660,0001
Glasgow City90£18,654433,776262
Gloucestershire41£14,219754,86986
Greater Manchester348£18,380538,638852
Gwynedd3£15,495543,8463
Hampshire152£17,298540,617395
Harrow - Greater London4£9,145868,8709
Havering - Greater London60£16,662641,423119
Herefordshire29£25,031318,74147
Hertfordshire160£18,646537,372452
Highland35£23,523323,09577
Hillingdon - Greater London12£9,637877,88929
Hounslow - Greater London4£7,7201076,75998
Inverclyde2£11,249757,4476
Isle of Anglesey5£4,39512101,6841
Isle of Wight13£17,921534,17128
Kent135£18,948534,379317
Kingston upon Thames - Greater London7£11,627753,6855
Lancashire201£16,710543,624470
Larne1£13,995645,643-
Leicestershire200£25,227326,105334
Limavady5£16,116442,2005
Lincolnshire171£20,650431,385397
Lisburn17£21,871328,53919
Magherafelt9£18,316438,2223
Merseyside63£17,582538,724186
Merthyr Tydfil5£13,375662,47412
Merton - Greater London4£10,471876,61010
Midlothian1£36,49501001
Monmouthshire1£3,4951495,0001
Moray3£16,996432,64723
Neath Port Talbot2£14,245746,1531
Newport1£9,295967,4774
Newry and Mourne34£19,089438,24659
Newtownabbey19£18,754434,55952
Norfolk151£19,478432,656349
North Ayrshire18£11,386751,53211
North Down5£16,486644,46712
North Lanarkshire17£18,740534,38871
North Yorkshire100£18,251534,260303
Northamptonshire47£16,830550,248138
Northumberland22£19,462430,56632
Nottinghamshire115£21,138429,337369
Omagh3£11,495887,1794
Oxfordshire75£25,014219,751132
Pembrokeshire1£23,99913,6512
Perth and Kinross32£18,728432,81965
Redbridge - Greater London1£1,99912106,1062
Renfrewshire29£17,743436,839133
Rhondda Cynon Taf27£15,513652,96439
Richmond upon Thames - Greater London1£11,390942,6622
Rutland1£14,750738,9901
Scottish Borders4£14,048740,4218
Shropshire37£19,761429,406135
Somerset82£19,333435,976158
South Ayrshire29£22,591328,63996
South Lanarkshire3£11,330962,3962
South Yorkshire177£17,485541,736477
Staffordshire122£18,721533,946228
Stirling21£21,192422,58373
Strabane6£20,461437,1675
Suffolk53£17,373434,838151
Surrey114£21,261428,644289
Sutton - Greater London2£7,3491268,1459
The Vale of Glamorgan2£11,098770,5576
Tyne and Wear86£16,137546,867166
Warwickshire17£13,254655,53938
West Dunbartonshire2£14,497638,60812
West Lothian30£18,396434,60758
West Midlands252£17,047541,813595
West Sussex55£17,272642,269125
West Yorkshire285£18,946435,214586
Wiltshire52£19,395434,604186
Worcestershire35£16,081546,72893
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