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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
All6,184£17,165544,36113,085
Aberdeen City32£22,840321,98894
Aberdeenshire27£23,147323,07546
Angus8£19,758427,79931
Antrim25£19,563437,00270
Ards16£21,719334,48440
Armagh4£6,62310116,3984
Ballymena12£18,374435,87321
Ballymoney5£10,493868,8553
Barking & Dagenham - Greater London4£12,842781,7206
Barnet - Greater London3£22,778332,9252
Bedfordshire108£13,413760,976175
Belfast21£17,333536,87638
Berkshire90£19,752436,804220
Blaenau Gwent3£23,83213,04211
Brent - Greater London4£13,452673,2505
Bristol79£17,049543,339128
Bromley - Greater London14£28,930215,25843
Buckinghamshire106£19,999433,232203
Cambridgeshire271£18,874437,666419
Cardiff4£13,785735,4612
Carmarthenshire3£15,492547,47114
Carrickfergus2£12,495749,1972
Ceredigion3£15,995653,9442
Cheshire186£18,923535,136437
City of Edinburgh45£19,798432,939158
City of London - Greater London20£21,850327,13631
Coleraine24£17,021553,04443
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall17£19,128541,00122
County Durham115£15,295646,830187
Craigavon2£12,490758,46614
Croydon - Greater London37£27,876319,26177
Cumbria25£18,471535,14450
Derbyshire168£16,605541,057356
Derry14£18,246657,45616
Devon115£20,506435,052235
Dorset51£21,424432,25082
Down4£20,359438,7258
Dumfries and Galloway4£13,570850,2959
Dundee City34£23,827322,56154
Dungannon6£14,619665,19019
Ealing - Greater London1£14,950752,9507
East Ayrshire17£13,954651,38221
East Lothian4£10,9351255,085-
East Riding of Yorkshire7£14,949549,05223
East Sussex41£22,888320,587109
Enfield - Greater London20£20,485438,05749
Essex214£20,966430,045304
Falkirk18£12,460855,73531
Fermanagh11£15,933554,7098
Fife55£23,317323,276126
Flintshire2£5,000895,771-
Glasgow City111£19,976432,294250
Gloucestershire53£16,232648,13970
Greater Manchester384£18,625537,137794
Gwynedd2£19,495430,7704
Hampshire162£17,152642,466406
Harrow - Greater London4£8,620867,78011
Havering - Greater London66£16,349643,296126
Herefordshire35£25,521314,58141
Hertfordshire168£19,003537,843423
Highland31£23,827322,85973
Hillingdon - Greater London14£9,522872,52330
Hounslow - Greater London6£9,636974,306141
Inverclyde3£13,165639,6107
Isle of Anglesey3£4,3281298,4403
Isle of Wight18£18,542534,09125
Kent118£18,477538,076313
Kingston upon Thames - Greater London5£11,108868,0465
Lancashire229£17,368542,864474
Larne1£13,995645,6432
Leicestershire201£25,691219,630333
Limavady2£17,745336,5002
Lincolnshire150£20,403430,079379
Lisburn13£19,863438,05119
Magherafelt10£16,336546,2004
Merseyside82£18,340535,532157
Merthyr Tydfil3£13,498860,54711
Merton - Greater London4£10,459874,1899
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray6£22,496314,12422
Neath Port Talbot3£13,163754,0781
Newport1£9,295967,4776
Newry and Mourne32£18,764440,42256
Newtownabbey27£17,341546,44246
Norfolk145£19,462432,657315
North Ayrshire15£12,208752,95214
North Down9£18,603429,1239
North Lanarkshire26£19,265434,69569
North Yorkshire115£18,382537,542284
Northamptonshire49£13,758757,138114
Northumberland13£16,301533,90932
Nottinghamshire142£20,067433,047346
Omagh4£12,359788,0032
Oxfordshire50£23,782322,179131
Pembrokeshire1£9,495975,5004
Perth and Kinross37£21,913425,53757
Renfrewshire33£19,522432,066116
Rhondda Cynon Taf24£14,436760,64841
Scottish Borders7£19,732527,2755
Shropshire53£20,282431,547107
Somerset76£20,730430,416140
South Ayrshire34£22,850323,46777
South Lanarkshire3£11,330962,3963
South Yorkshire159£17,057541,946460
Staffordshire114£17,764535,644216
Stirling28£22,692324,49467
Strabane4£20,670433,9247
Suffolk65£16,204645,262141
Surrey110£22,436327,009280
Sutton - Greater London2£10,4901070,6007
Swansea4£10,312968,6563
The Vale of Glamorgan2£8,1251067,4506
Tyne and Wear94£16,125647,842171
Warwickshire17£14,321645,35933
West Dunbartonshire3£10,032968,05613
West Lothian23£19,045434,82767
West Midlands237£18,858541,572528
West Sussex53£17,927538,109113
West Yorkshire258£18,586536,957545
Wiltshire72£19,619435,176169
Worcestershire47£17,122542,85690
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