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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
All7,076£18,002540,21115,519
Aberdeenshire66£20,862429,544128
Angus49£25,035217,37298
Ayrshire68£20,326433,876144
Bedfordshire126£15,157655,475177
Berkshire100£19,491538,357243
Blaenau Gwent5£13,077651,99524
Borders4£16,911534,95011
Bridgend55£22,042430,04386
Bristol73£18,041440,296149
Buckinghamshire70£16,697544,063242
Caerphilly10£8,735983,5198
Cambridgeshire237£17,879542,775472
Cardiff41£21,755327,19895
Carmarthenshire30£22,102326,58855
Cheshire211£20,499431,713481
Clackmannanshire4£13,248562,8352
Conwy10£11,946752,4528
Cornwall59£23,058319,20287
County Antrim87£17,968442,795203
County Armagh51£17,864545,19072
County Down38£19,044441,96385
County Durham107£15,742548,825218
County Fermanagh7£14,196558,6039
County Londonderry52£17,918547,83488
County Tyrone20£15,261662,91628
Cumbria20£16,930539,75146
Derbyshire117£14,757649,470375
Devon148£20,067435,278261
Dorset49£19,739435,617117
Dumfries & Galloway7£19,182421,2607
Dunbartonshire7£21,069332,3017
East Lothian3£13,281739,6825
East Riding of Yorkshire53£16,847540,937135
East Sussex65£19,663433,216130
Essex173£19,767433,266391
Falkirk20£16,056642,17631
Fife64£20,413427,216146
Flintshire2£6,9981278,98110
Gloucestershire47£14,663754,81298
Greater London276£18,674541,440667
Greater Manchester345£16,430645,626762
Gwynedd2£12,243646,9103
Hampshire183£17,604541,946409
Herefordshire22£26,947217,39344
Hertfordshire194£17,904541,624567
Highland55£22,244429,18977
Inverclyde8£17,585533,6876
Isle of Anglesey8£4,74512100,4613
Isle of Wight8£19,010538,82129
Kent228£18,989434,734462
Lanarkshire159£21,389327,047304
Lancashire212£16,809544,461498
Leicestershire186£24,471322,633309
Lincolnshire171£21,134432,775412
Merseyside103£20,606432,668237
Merthyr Tydfil6£12,647763,25815
Midlothian61£18,815434,215168
Monmouthshire12£22,862330,57623
Moray6£16,579527,22616
Neath Port Talbot2£13,493847,9723
Newport37£21,382326,40388
Norfolk161£19,926433,586359
North Yorkshire126£20,787327,272311
Northamptonshire59£16,249648,231152
Northumberland13£17,556435,34956
Nottinghamshire151£20,549432,012372
Oxfordshire55£22,554326,607142
Pembrokeshire18£20,234437,43333
Perth & Kinross32£18,811435,67159
Powys7£22,280325,53011
Renfrewshire47£22,962323,52890
Rhondda Cynon Taf25£14,777655,11335
Rutland1£14,650738,990-
Shropshire49£18,914435,717129
Somerset81£20,078435,378177
South Yorkshire192£17,057544,012465
Staffordshire220£21,858326,633450
Stirling27£24,130216,99663
Suffolk81£18,287437,668148
Surrey124£19,110436,270284
Swansea36£21,532330,15976
Torfaen2£7,9951284,35012
Tyne and Wear100£16,632547,621174
Vale of Glamorgan5£12,051954,31710
Warwickshire51£19,545434,360100
West Lothian38£17,987436,45844
West Midlands270£17,899540,302609
West Sussex76£19,328436,257211
West Yorkshire265£19,137435,278592
Wiltshire63£18,424439,257180
Worcestershire52£17,556546,35593
Wrexham10£10,523767,2938
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