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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
All6,230£17,193544,19412,414
Aberdeen City29£22,099324,26291
Aberdeenshire25£23,543320,73744
Angus9£20,284426,30228
Antrim27£20,424435,16365
Ards17£21,795333,27138
Armagh4£6,62310116,3984
Ballymena11£17,772537,16122
Ballymoney6£9,840876,6293
Barking & Dagenham - Greater London4£12,719781,7205
Barnet - Greater London3£22,778332,9252
Bedfordshire109£13,020762,792166
Belfast22£17,495535,40632
Berkshire88£19,988436,384215
Blaenau Gwent4£23,92412,8798
Brent - Greater London4£13,377673,2505
Bristol76£17,515542,238123
Bromley - Greater London15£28,126215,01442
Buckinghamshire108£20,211433,238187
Cambridgeshire273£18,872437,221387
Cardiff3£14,913630,2812
Carmarthenshire3£15,492547,47112
Carrickfergus2£12,495749,1972
Ceredigion2£18,495647,9013
Cheshire193£18,575535,564405
City of Edinburgh41£19,005436,380152
City of London - Greater London18£21,441429,27629
Coleraine22£16,691552,03841
Conwy3£11,328860,6674
Cookstown2£17,468557,5001
Cornwall19£18,927542,89221
County Durham117£15,643645,993178
Craigavon3£12,358656,56514
Croydon - Greater London33£26,785320,81572
Cumbria24£18,670434,01749
Derbyshire167£16,747540,700348
Derry15£18,246658,89212
Devon113£20,822434,519221
Dorset55£21,319432,69675
Down4£20,159438,7257
Dumfries and Galloway5£14,556745,4268
Dundee City33£24,216221,48754
Dungannon6£14,619665,19019
Ealing - Greater London1£14,450752,9506
East Ayrshire16£14,170652,58620
East Lothian4£10,9351255,085-
East Riding of Yorkshire9£14,842549,67822
East Sussex44£23,547319,38799
Enfield - Greater London18£20,681437,19847
Essex215£20,864430,200292
Falkirk18£12,335855,73527
Fermanagh10£16,277553,2809
Fife53£23,325323,492120
Flintshire2£5,000895,771-
Glasgow City105£19,478433,790242
Gloucestershire55£15,654650,26270
Greater Manchester396£18,641537,677762
Gwynedd2£19,495430,7704
Hampshire161£17,182642,334378
Harrow - Greater London4£8,620867,78011
Havering - Greater London65£16,267643,623112
Herefordshire34£24,617319,26440
Hertfordshire183£19,567436,597392
Highland28£24,263322,23269
Hillingdon - Greater London12£8,861879,36930
Hounslow - Greater London5£9,164972,537130
Inverclyde3£13,165639,6105
Isle of Anglesey3£4,3281298,4403
Isle of Wight18£18,542534,09124
Kent126£18,810536,643288
Kingston upon Thames - Greater London5£11,108868,0465
Lancashire225£17,096543,016446
Larne1£13,995645,6432
Leicestershire197£25,808219,641318
Limavady2£17,745336,5001
Lincolnshire161£20,771429,853353
Lisburn13£19,863438,05116
Magherafelt9£17,634440,6675
Merseyside78£17,729537,190156
Merthyr Tydfil4£13,248765,93310
Merton - Greater London4£10,459874,1899
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray6£22,496314,12420
Neath Port Talbot3£13,163754,0781
Newport1£9,295967,4776
Newry and Mourne30£18,660441,40856
Newtownabbey26£17,280545,66548
Norfolk156£19,686432,166297
North Ayrshire14£12,441751,27114
North Down9£17,188536,7309
North Lanarkshire26£19,455434,30266
North Yorkshire114£17,863538,414274
Northamptonshire52£13,830756,213110
Northumberland13£16,891532,61127
Nottinghamshire148£20,400432,277330
Omagh4£12,359788,0032
Oxfordshire50£24,277321,183127
Pembrokeshire1£9,120975,5004
Perth and Kinross38£21,518426,46857
Renfrewshire29£19,560433,694121
Rhondda Cynon Taf26£15,286657,64439
Scottish Borders7£19,732527,2752
Shropshire55£19,503433,334103
Somerset77£19,741434,135135
South Ayrshire33£22,799323,44371
South Lanarkshire3£11,330962,3962
South Yorkshire172£16,821642,728429
Staffordshire117£17,582536,107208
Stirling27£22,202326,15866
Strabane4£20,670433,9247
Suffolk60£16,278644,554138
Surrey110£21,831329,178263
Sutton - Greater London1£15,490656,2008
Swansea4£10,312968,6563
The Vale of Glamorgan2£8,1251067,4506
Tyne and Wear91£16,077648,083149
Warwickshire18£13,844648,22830
West Dunbartonshire2£11,800953,08413
West Lothian25£18,541436,23460
West Midlands251£17,992539,736503
West Sussex53£17,983537,575108
West Yorkshire245£18,583537,272533
Wiltshire71£19,018539,043165
Worcestershire48£16,847544,69684
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