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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
All6,978£17,870540,98515,568
Aberdeenshire54£19,987430,711133
Angus47£24,331320,56095
Ayrshire84£20,667432,630111
Bedfordshire117£14,140657,869181
Berkshire93£21,160433,263252
Blaenau Gwent9£13,697655,33318
Borders4£16,911535,85012
Bridgend41£21,326436,82387
Bristol72£17,756540,795148
Buckinghamshire77£17,087542,655249
Caerphilly9£8,4821080,8348
Cambridgeshire240£18,109441,301459
Cardiff37£21,706328,21394
Carmarthenshire29£22,771323,53461
Cheshire217£19,671433,322467
Clackmannanshire5£14,198462,4561
Conwy9£12,551749,2978
Cornwall67£22,808320,59486
County Antrim84£17,449542,547196
County Armagh45£18,436542,60875
County Down40£18,305545,50185
County Durham112£15,446649,951212
County Fermanagh6£13,980558,27111
County Londonderry44£16,484553,38889
County Tyrone21£14,910658,82530
Cumbria23£17,465536,79745
Derbyshire138£16,258542,342377
Devon159£19,512437,814273
Dorset49£19,029538,898107
Dumfries & Galloway7£20,212321,7278
Dunbartonshire6£19,081337,6308
East Lothian2£15,2971066,4134
East Riding of Yorkshire59£17,233438,651128
East Sussex57£18,869433,655135
Essex188£19,385535,168378
Falkirk20£15,845645,28931
Fife62£20,341426,835150
Flintshire5£4,49512109,7906
Gloucestershire39£14,058757,83496
Greater London262£18,467541,930677
Greater Manchester333£16,458644,046773
Gwynedd1£17,995323,0003
Hampshire163£17,109544,580419
Herefordshire21£27,355218,84547
Hertfordshire187£17,596541,613555
Highland46£20,993431,25475
Inverclyde8£18,085433,9296
Isle of Anglesey8£4,74512100,4614
Isle of Wight9£20,475427,69330
Kent211£18,484535,554488
Lanarkshire152£21,596326,789311
Lancashire209£17,123543,359498
Leicestershire204£23,987323,226313
Lincolnshire166£20,482433,595406
Merseyside105£21,280328,789246
Merthyr Tydfil6£14,563657,18115
Midlothian69£18,813435,184159
Monmouthshire15£22,762329,98322
Moray5£12,636745,14117
Neath Port Talbot1£14,995845,9443
Newport38£19,806431,71176
Norfolk158£18,775436,594360
North Yorkshire107£19,497430,693309
Northamptonshire54£15,129652,823161
Northumberland15£17,182536,75754
Nottinghamshire142£20,835431,131384
Oxfordshire59£23,202324,486144
Pembrokeshire15£20,916437,14733
Perth & Kinross32£19,126433,69759
Powys4£19,369431,56812
Renfrewshire36£22,716325,461104
Rhondda Cynon Taf28£13,451761,36332
Rutland1£14,750738,990-
Shropshire49£18,455537,098130
Somerset84£19,946434,717184
South Yorkshire194£16,827544,232473
Staffordshire206£21,767327,097457
Stirling23£22,414318,68666
Suffolk79£17,658437,218155
Surrey107£19,394434,351289
Swansea31£21,735329,48374
Torfaen4£9,620976,70811
Tyne and Wear101£16,609544,959169
Vale of Glamorgan6£11,200957,26810
Warwickshire49£18,922434,46498
West Lothian40£18,023435,50847
West Midlands279£17,011542,193600
West Sussex67£18,862539,008218
West Yorkshire281£19,340434,111598
Wiltshire68£18,374539,689184
Worcestershire54£17,449543,91988
Wrexham9£10,197769,4448
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