Get a Carsnitch Report for Free Owner, price, MOT & dealer.

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
All6,893£17,963540,69715,571
Aberdeenshire53£20,062429,604134
Angus49£24,837318,26797
Ayrshire72£19,835435,900122
Bedfordshire123£14,406657,531176
Berkshire93£20,009435,939248
Blaenau Gwent5£14,397656,25322
Borders4£16,911534,95011
Bridgend43£21,609435,01789
Bristol70£17,996539,789154
Buckinghamshire79£16,733543,353245
Caerphilly9£8,4821080,8347
Cambridgeshire240£17,931542,197461
Cardiff37£22,118326,12193
Carmarthenshire34£21,971323,92160
Cheshire220£19,864432,777463
Clackmannanshire4£13,248562,8352
Conwy9£12,551749,2978
Cornwall66£22,684320,90686
County Antrim84£17,421543,325194
County Armagh47£18,427441,86072
County Down40£18,436443,62686
County Durham109£15,458549,552217
County Fermanagh7£14,196558,60311
County Londonderry45£15,991554,84488
County Tyrone22£15,278658,56029
Cumbria22£17,602536,68145
Derbyshire123£15,970545,330384
Devon152£19,526437,691261
Dorset49£18,995538,216110
Dumfries & Galloway7£20,212321,7278
Dunbartonshire5£18,097443,6209
East Lothian2£15,297648,8414
East Riding of Yorkshire57£17,568437,560131
East Sussex63£19,251433,445135
Essex176£19,408534,620382
Falkirk20£15,790645,28930
Fife63£20,628326,028148
Flintshire5£4,49512109,7906
Gloucestershire41£14,147756,45397
Greater London266£18,676541,542685
Greater Manchester335£16,307644,875766
Gwynedd1£17,995323,0003
Hampshire152£17,310544,733423
Herefordshire22£27,020219,21246
Hertfordshire188£17,831541,501551
Highland56£22,453428,30575
Inverclyde9£18,353432,3636
Isle of Anglesey8£4,74512100,4614
Isle of Wight10£20,677428,05128
Kent200£18,750434,898481
Lanarkshire148£21,256327,704309
Lancashire211£16,942543,779495
Leicestershire197£24,086323,011302
Lincolnshire162£20,707433,708404
Merseyside101£20,948430,384246
Merthyr Tydfil6£14,230759,01815
Midlothian68£18,814434,536162
Monmouthshire15£22,762329,98322
Moray6£14,446638,57616
Neath Port Talbot1£14,995845,9443
Newport33£19,442435,32282
Norfolk155£18,981436,308360
North Yorkshire115£19,844429,887307
Northamptonshire59£16,699648,814158
Northumberland15£17,088537,17456
Nottinghamshire141£20,822430,962382
Oxfordshire56£22,998325,072144
Pembrokeshire16£20,827437,23833
Perth & Kinross32£19,031434,06760
Powys6£19,744428,96112
Renfrewshire35£23,608323,150104
Rhondda Cynon Taf28£14,611655,87434
Rutland1£14,750738,990-
Shropshire48£18,436537,448126
Somerset88£20,549433,905181
South Yorkshire183£16,991544,170480
Staffordshire205£21,635327,397460
Stirling26£24,154215,24562
Suffolk75£17,909437,319154
Surrey112£19,373434,509288
Swansea32£20,805432,84774
Torfaen3£10,328980,27712
Tyne and Wear100£16,637545,054174
Vale of Glamorgan7£11,170955,8278
Warwickshire48£20,071432,627103
West Lothian37£18,125434,86646
West Midlands270£17,122541,472600
West Sussex68£18,633541,238217
West Yorkshire265£19,273434,822595
Wiltshire62£18,581539,364191
Worcestershire53£17,371545,10392
Wrexham8£9,891772,1229
Add postcode for better results.