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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
All6,255£17,221544,43112,847
Aberdeen City29£21,341324,48394
Aberdeenshire25£23,955319,16745
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£13,151762,713169
Belfast23£16,938537,67432
Berkshire99£20,427435,600219
Blaenau Gwent3£23,56613,6149
Brent - Greater London5£12,901770,3204
Bristol77£18,102539,855127
Bromley - Greater London16£28,203214,99442
Buckinghamshire112£19,871434,518194
Cambridgeshire278£19,030436,270399
Cardiff1£20,650328,0003
Carmarthenshire3£15,492547,47112
Carrickfergus2£12,495749,1972
Ceredigion3£18,495770,6003
Cheshire194£18,801535,487423
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
Cornwall22£18,860540,28921
County Durham123£15,166647,055181
Craigavon3£12,358656,56514
Croydon - Greater London34£27,192319,76170
Cumbria25£18,380535,92549
Derbyshire158£16,436540,844359
Derry15£18,246658,89212
Devon118£21,277433,712231
Dorset57£21,535432,78679
Down4£20,159438,7257
Dumfries and Galloway5£14,556745,4268
Dundee City35£24,043221,33454
Dungannon6£14,619665,19019
Ealing - Greater London2£16,175656,1756
East Ayrshire15£14,781648,42521
East Lothian4£10,8711255,085-
East Riding of Yorkshire8£15,447548,52723
East Sussex50£22,474323,419100
Enfield - Greater London21£19,864537,14548
Essex211£20,636430,394305
Falkirk19£11,837858,00429
Fermanagh10£16,277553,2809
Fife53£23,498322,253124
Flintshire2£5,000895,771-
Glasgow City102£19,070434,372248
Gloucestershire54£14,575754,80274
Greater Manchester391£18,586537,617796
Gwynedd2£19,495430,7704
Hampshire165£16,889643,155392
Harrow - Greater London4£8,570867,78011
Havering - Greater London65£16,147644,287115
Herefordshire36£23,770322,40642
Hertfordshire180£19,656436,491411
Highland28£23,595323,97270
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
Kent121£18,799537,538301
Kingston upon Thames - Greater London6£10,707864,3725
Lancashire228£17,388542,108448
Larne1£13,995645,6432
Leicestershire200£25,393220,674327
Limavady3£15,113454,3331
Lincolnshire164£20,653430,612361
Lisburn14£20,764332,16218
Magherafelt9£17,634440,6675
Merseyside83£17,402538,468159
Merthyr Tydfil4£13,248765,93310
Merton - Greater London5£10,056876,0579
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
Newtownabbey25£16,631548,66751
Norfolk161£19,898430,938306
North Ayrshire13£11,944752,73315
North Down8£18,459531,10410
North Lanarkshire27£19,433434,33366
North Yorkshire107£17,366538,911290
Northamptonshire49£14,054755,075116
Northumberland14£17,055535,28127
Nottinghamshire147£20,187432,340344
Omagh4£12,359788,0032
Oxfordshire55£24,961218,871131
Pembrokeshire1£9,120975,5004
Perth and Kinross39£21,354426,80758
Renfrewshire29£19,198435,821124
Rhondda Cynon Taf25£15,916655,19141
Scottish Borders6£15,817737,3405
Shropshire53£19,271433,333108
Somerset82£20,136433,740139
South Ayrshire33£22,617324,30172
South Lanarkshire3£11,330962,3962
South Yorkshire165£17,688538,946446
Staffordshire119£17,169536,720215
Stirling27£22,388325,35767
Strabane4£20,670433,9247
Suffolk61£16,445644,301142
Surrey103£21,647429,886277
Sutton - Greater London1£15,250656,2008
Swansea4£10,312968,6563
The Vale of Glamorgan4£8,5001070,1156
Tyne and Wear94£16,406547,638150
Warwickshire19£13,450650,59432
West Dunbartonshire4£18,497534,79313
West Lothian25£18,801435,56961
West Midlands257£18,094539,731524
West Sussex56£17,858537,680111
West Yorkshire240£18,273537,849551
Wiltshire70£19,226538,098178
Worcestershire39£17,152544,60993
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