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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
All6,288£17,104544,39113,161
Aberdeen City31£22,819322,53796
Aberdeenshire29£22,648323,03645
Angus9£20,539325,82132
Antrim24£19,559438,57269
Ards16£21,719334,48442
Armagh4£6,69810116,3984
Ballymena12£18,374435,87322
Ballymoney5£10,493868,8553
Barking & Dagenham - Greater London5£11,112786,7496
Barnet - Greater London3£22,893332,9252
Bedfordshire114£14,218658,295176
Belfast20£17,670536,21540
Berkshire94£19,781435,851217
Blaenau Gwent4£24,12412,57813
Brent - Greater London5£14,463674,2004
Bristol82£17,584541,373124
Bromley - Greater London16£27,941217,36142
Buckinghamshire109£19,857434,077205
Cambridgeshire268£18,999437,535423
Cardiff4£13,785735,4612
Carmarthenshire3£15,492547,47115
Carrickfergus1£17,495320,4502
Ceredigion3£15,995653,9442
Cheshire187£19,127534,424442
City of Edinburgh47£20,238432,443159
City of London - Greater London20£21,746328,58932
Coleraine24£17,021553,04443
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall16£18,886542,81722
County Durham115£15,453646,218189
Craigavon2£12,490758,46614
Croydon - Greater London37£27,623319,96582
Cumbria25£19,499432,37349
Derbyshire171£16,999539,940354
Derry13£18,246657,95316
Devon115£20,487435,790238
Dorset47£21,297431,87779
Down4£20,359438,7258
Dumfries and Galloway3£11,428959,1069
Dundee City35£24,003321,91754
Dungannon8£14,619664,82417
East Ayrshire16£14,483650,12024
East Lothian3£6,9131271,263-
East Riding of Yorkshire8£15,169546,27721
East Sussex42£22,957320,636109
Enfield - Greater London18£21,357435,82149
Essex222£21,256429,063307
Falkirk20£12,276854,83030
Fermanagh11£15,933554,7099
Fife60£23,533322,331125
Flintshire2£5,000895,7711
Glasgow City111£19,961432,458253
Gloucestershire50£15,790648,71570
Greater Manchester399£18,450537,731778
Gwynedd2£19,495430,7704
Hampshire168£17,220541,860413
Harrow - Greater London4£9,545871,12111
Havering - Greater London66£16,531642,812129
Herefordshire33£25,776313,88642
Hertfordshire169£19,485436,662428
Highland34£23,372324,22076
Hillingdon - Greater London16£9,361874,38330
Hounslow - Greater London6£9,636974,306149
Inverclyde3£13,165639,6107
Isle of Anglesey2£4,49511104,8503
Isle of Wight18£18,542534,09125
Kent122£19,043535,981315
Kingston upon Thames - Greater London4£11,061970,8835
Lancashire232£17,435542,800475
Larne1£13,995645,6432
Leicestershire205£25,353220,164334
Limavady2£17,745336,5002
Lincolnshire153£20,636429,677378
Lisburn13£20,317435,64519
Magherafelt10£16,336546,2004
Merseyside82£18,283535,511162
Merthyr Tydfil4£11,998864,46011
Merton - Greater London3£9,746874,5859
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray8£20,333422,98822
Neath Port Talbot3£13,163754,0781
Newport1£9,295967,4776
Newry and Mourne30£19,475437,59255
Newtownabbey28£16,905549,22046
Norfolk152£19,335432,840307
North Ayrshire15£12,208752,95217
North Down8£18,560531,5439
North Lanarkshire25£19,061433,90668
North Yorkshire109£18,460437,399291
Northamptonshire54£14,669653,881112
Northumberland17£14,927641,68528
Nottinghamshire141£20,501431,354352
Omagh2£13,745779,1762
Oxfordshire52£24,071321,704133
Pembrokeshire1£9,495975,5004
Perth and Kinross38£22,189324,68557
Redbridge - Greater London1£6,3481151,2001
Renfrewshire34£19,727431,347120
Rhondda Cynon Taf23£13,880762,66342
Scottish Borders7£19,765527,2755
Shropshire52£20,095430,756111
Somerset80£20,326431,442136
South Ayrshire34£23,359222,46679
South Lanarkshire3£11,330962,3963
South Yorkshire163£17,067541,722460
Staffordshire118£18,162534,089217
Stirling27£23,343323,59470
Strabane3£20,628338,1487
Suffolk66£16,515543,803142
Surrey106£22,490327,739288
Sutton - Greater London2£10,4901070,6007
Swansea4£10,312968,6563
The Vale of Glamorgan2£8,1251067,4507
Tyne and Wear95£16,448546,328172
Warwickshire17£14,356645,35935
West Dunbartonshire3£10,032968,05613
West Lothian25£16,994540,41564
West Midlands244£17,674541,050547
West Sussex53£18,017537,181116
West Yorkshire272£18,634536,606540
Wiltshire68£19,725434,309172
Worcestershire50£17,366540,90987
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