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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
All6,203£17,228544,36112,958
Aberdeen City29£21,341324,48394
Aberdeenshire26£23,649320,16545
Angus9£22,284325,26030
Antrim24£19,096439,50270
Ards17£21,766333,27138
Armagh4£6,62310116,3984
Ballymena10£18,070540,08024
Ballymoney4£11,198865,4115
Barking & Dagenham - Greater London4£12,719781,7205
Barnet - Greater London3£22,778332,9252
Bedfordshire112£13,462761,346170
Belfast23£16,938537,67432
Berkshire98£20,627434,976222
Blaenau Gwent3£23,56613,6149
Brent - Greater London5£12,821770,3204
Bristol78£17,971540,402126
Bromley - Greater London18£27,680214,00742
Buckinghamshire109£19,649435,313199
Cambridgeshire265£18,949437,026409
Cardiff1£20,650328,0003
Carmarthenshire4£14,368754,95812
Carrickfergus2£12,495749,1972
Ceredigion3£18,495770,6003
Cheshire191£18,657535,658426
City of Edinburgh42£18,287538,751156
City of London - Greater London14£22,496327,81631
Coleraine20£16,846551,26044
Conwy3£10,995860,6674
Cookstown3£15,643558,1471
Cornwall21£18,520540,86822
County Durham122£15,192646,949182
Craigavon3£12,358656,56514
Croydon - Greater London36£28,059217,49371
Cumbria24£17,896537,38850
Derbyshire155£16,536540,407362
Derry15£18,246658,89212
Devon119£21,240433,584232
Dorset57£21,518432,78679
Down4£20,159438,7257
Dumfries and Galloway5£14,556745,4268
Dundee City35£24,043221,33454
Dungannon6£14,469665,19019
Ealing - Greater London2£16,175656,1756
East Ayrshire16£14,157652,58620
East Lothian4£10,8711255,085-
East Riding of Yorkshire9£17,586444,31723
East Sussex50£22,474323,419100
Enfield - Greater London21£19,864537,14548
Essex206£20,591430,516310
Falkirk19£11,837858,00429
Fermanagh10£16,277553,2809
Fife51£23,099322,946126
Flintshire2£5,000895,771-
Glasgow City101£19,116434,198249
Gloucestershire52£14,178756,18676
Greater Manchester382£18,528537,861806
Gwynedd2£19,495430,7704
Hampshire166£16,908643,075392
Harrow - Greater London4£8,570867,78011
Havering - Greater London64£16,315643,567116
Herefordshire33£23,450323,26842
Hertfordshire178£19,713436,082414
Highland29£23,678323,55670
Hillingdon - Greater London13£8,410880,01730
Hounslow - Greater London5£9,164972,537130
Inverclyde3£12,998639,6105
Isle of Anglesey3£4,3281298,4403
Isle of Wight16£18,454534,98926
Kent118£18,467538,314306
Kingston upon Thames - Greater London6£10,707864,3725
Lancashire223£17,521541,500453
Larne1£13,995645,6432
Leicestershire202£25,535220,339330
Limavady3£15,113454,3331
Lincolnshire165£20,637430,671362
Lisburn14£20,764332,16218
Magherafelt9£17,634440,6675
Merseyside80£17,426538,202162
Merthyr Tydfil4£13,248765,93310
Merton - Greater London4£10,446874,18910
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray7£21,810317,21320
Neath Port Talbot2£14,523746,1532
Newport1£9,295967,4776
Newry and Mourne26£17,929546,20460
Newtownabbey24£17,032546,69552
Norfolk156£19,936430,927313
North Ayrshire13£11,944752,73315
North Down8£18,459531,10410
North Lanarkshire27£19,414434,33366
North Yorkshire103£17,261539,252295
Northamptonshire50£14,283754,204115
Northumberland14£17,055535,28127
Nottinghamshire146£20,175432,420345
Omagh4£12,359788,0032
Oxfordshire54£24,695219,704132
Pembrokeshire1£9,120975,5004
Perth and Kinross39£21,266426,43458
Renfrewshire29£19,198435,821124
Rhondda Cynon Taf25£15,916655,19141
Scottish Borders7£15,817732,6205
Shropshire53£19,271433,333108
Somerset82£20,136433,740139
South Ayrshire33£22,617324,30172
South Lanarkshire3£11,330962,3962
South Yorkshire173£17,965538,267446
Staffordshire114£17,249536,768223
Stirling28£22,231325,04367
Strabane4£20,670433,9247
Suffolk63£16,721543,221143
Surrey101£21,630430,047281
Sutton - Greater London1£15,250656,2008
Swansea4£10,312968,6563
The Vale of Glamorgan4£8,5001070,1156
Tyne and Wear92£16,448547,493152
Warwickshire20£14,052648,54531
West Dunbartonshire4£18,497534,79313
West Lothian24£19,231434,13162
West Midlands251£18,061539,749530
West Sussex56£17,590538,554112
West Yorkshire250£18,355537,143553
Wiltshire70£19,199536,901180
Worcestershire39£17,634542,96794
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