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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.

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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
All7,434£18,206540,23215,421
Aberdeenshire67£20,657430,876121
Angus50£24,843219,07796
Ayrshire69£20,827432,162141
Bedfordshire136£14,421657,769183
Berkshire116£19,224537,788252
Blaenau Gwent8£14,297551,60320
Borders4£16,911534,95011
Bridgend57£23,414325,44693
Bristol73£18,518439,814149
Buckinghamshire75£18,527539,640244
Caerphilly12£8,321984,0215
Cambridgeshire236£17,843540,879467
Cardiff53£20,964329,42290
Carmarthenshire29£22,312328,77954
Cheshire213£20,440432,173492
Clackmannanshire1£18,498346,7486
Conwy9£12,052752,06010
Cornwall70£24,241216,56491
County Antrim95£16,922544,797199
County Armagh56£17,876544,44272
County Down40£18,690440,68276
County Durham113£16,346547,704216
County Fermanagh7£14,047558,6038
County Londonderry55£17,371549,06586
County Tyrone25£16,091560,50925
Cumbria23£17,985536,50645
Derbyshire124£15,804545,266373
Devon149£21,010431,923267
Dorset48£18,884537,523121
Dumfries & Galloway6£16,279535,1489
Dunbartonshire5£22,798224,25910
East Lothian3£13,281739,6825
East Riding of Yorkshire56£16,759542,679132
East Sussex74£20,323429,925131
Essex178£20,477429,964388
Falkirk15£17,539538,45435
Fife67£20,027427,448138
Flintshire2£6,9981278,98110
Gloucestershire48£14,061757,01599
Greater London294£18,769540,307656
Greater Manchester360£16,851544,992761
Gwynedd1£6,4909130,1515
Hampshire184£17,727539,985412
Herefordshire18£26,956216,92646
Hertfordshire218£18,748439,400545
Highland61£23,784325,79575
Inverclyde6£19,448428,4756
Isle of Anglesey8£4,74512100,4613
Isle of Wight9£19,708535,21426
Kent232£18,987435,500480
Lanarkshire161£21,803326,574310
Lancashire224£17,581541,868507
Leicestershire181£23,990323,239303
Lincolnshire170£21,203431,559416
Merseyside104£20,341431,974238
Merthyr Tydfil7£13,983657,42812
Midlothian74£19,436430,874169
Monmouthshire10£21,165437,56227
Moray7£16,595526,73216
Neath Port Talbot2£13,493847,9723
Newport44£22,160324,25294
Norfolk181£20,106433,165345
North Yorkshire124£19,915430,183323
Northamptonshire66£16,473647,368150
Northumberland17£19,640326,53752
Nottinghamshire162£20,164432,210354
Oxfordshire53£22,094328,277137
Pembrokeshire15£20,996436,75836
Perth & Kinross32£19,628434,01557
Powys9£25,106321,91310
Renfrewshire48£21,799327,51989
Rhondda Cynon Taf26£14,683656,05529
Rutland1£14,650738,990-
Shropshire53£18,510537,965125
Somerset85£20,549434,570164
South Yorkshire212£18,249540,133448
Staffordshire225£21,467328,035453
Stirling30£23,084321,20057
Suffolk78£18,491435,777163
Surrey140£19,299436,880266
Swansea38£22,045328,86873
Torfaen3£9,1281076,56711
Tyne and Wear110£17,356544,254177
Vale of Glamorgan7£10,6021056,6289
Warwickshire48£18,312538,73694
West Lothian43£19,849431,43442
West Midlands301£18,273538,067618
West Sussex78£19,105537,376205
West Yorkshire286£18,921435,483573
Wiltshire61£19,155437,001178
Worcestershire50£16,888548,29695
Wrexham10£10,618763,5318
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