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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
All6,279£17,104544,48213,186
Aberdeen City31£22,819322,53798
Aberdeenshire29£22,648323,03545
Angus9£20,573325,82132
Antrim23£19,866437,98870
Ards16£21,719334,48441
Armagh4£6,69810116,3985
Ballymena13£18,037536,61422
Ballymoney5£10,493868,8554
Barking & Dagenham - Greater London5£11,112786,7496
Barnet - Greater London3£22,893332,9252
Bedfordshire116£14,226658,364177
Belfast20£17,670536,21540
Berkshire94£19,809435,342216
Blaenau Gwent4£24,12412,57813
Brent - Greater London7£13,746680,2863
Bristol83£17,365542,452124
Bromley - Greater London16£27,967217,34642
Buckinghamshire102£19,809434,022206
Cambridgeshire261£18,743538,334423
Cardiff3£14,898741,0042
Carmarthenshire3£15,658547,47115
Carrickfergus1£17,495320,4502
Ceredigion3£15,995653,9442
Cheshire190£19,072535,583441
City of Edinburgh45£19,996433,258163
City of London - Greater London29£18,729541,49645
Coleraine24£17,021553,04443
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall17£19,128540,97222
County Durham118£15,453646,361192
Craigavon2£12,490758,46614
Croydon - Greater London33£27,498319,70684
Cumbria25£19,331433,50348
Derbyshire168£16,940540,068355
Derry14£17,719657,23615
Devon116£20,265536,210243
Dorset46£20,738433,12378
Down4£20,359438,7258
Dumfries and Galloway3£11,428959,1069
Dundee City37£23,935321,42552
Dungannon8£14,619664,82417
East Ayrshire16£14,483650,12024
East Lothian3£6,9131271,263-
East Riding of Yorkshire9£15,048547,46923
East Sussex43£22,667321,177109
Enfield - Greater London18£20,798437,67648
Essex221£21,097429,865301
Falkirk20£12,301854,83030
Fermanagh11£15,933554,7099
Fife60£23,541321,787124
Flintshire2£5,000895,7711
Glasgow City113£19,982432,628253
Gloucestershire49£15,621649,42873
Greater Manchester398£18,325538,145780
Gwynedd2£19,495430,7704
Hampshire169£17,106542,274417
Harrow - Greater London4£9,545871,12111
Havering - Greater London67£16,026645,026130
Herefordshire32£25,613314,16442
Hertfordshire158£20,148434,484420
Highland34£23,401324,27676
Hillingdon - Greater London14£9,295874,30927
Hounslow - Greater London6£9,636974,306149
Inverclyde3£13,165639,6107
Isle of Anglesey3£7,830985,9004
Isle of Wight20£18,402532,51223
Kent122£19,438534,887317
Kingston upon Thames - Greater London4£11,061970,8835
Lancashire236£17,469542,306466
Larne1£13,995645,6432
Leicestershire199£25,467219,747334
Limavady2£17,745336,5003
Lincolnshire155£20,857428,793374
Lisburn12£19,926436,34118
Magherafelt10£16,336546,2005
Merseyside81£18,635534,651162
Merthyr Tydfil4£11,998864,46011
Merton - Greater London4£9,646874,4398
Midlothian1£36,49501001
Monmouthshire1£3,6951495,000-
Moray8£20,583422,98822
Neath Port Talbot3£13,163754,0781
Newport2£12,097860,35910
Newry and Mourne30£19,382437,59255
Newtownabbey25£17,801542,88145
Norfolk153£19,287432,884305
North Ayrshire15£12,208753,02917
North Down9£17,442536,9278
North Lanarkshire25£19,069433,90669
North Yorkshire105£18,915435,405288
Northamptonshire55£15,001652,556111
Northumberland15£15,838636,93630
Nottinghamshire142£20,578430,771351
Omagh2£13,745779,1762
Oxfordshire57£23,460323,393129
Pembrokeshire1£9,495975,5004
Perth and Kinross36£22,097425,54059
Redbridge - Greater London1£6,3481151,2001
Renfrewshire35£20,063430,451119
Rhondda Cynon Taf24£13,863761,73742
Scottish Borders6£18,788527,2195
Shropshire53£19,668431,945112
Somerset80£20,330431,442136
South Ayrshire33£23,755221,33180
South Lanarkshire3£11,330962,3963
South Yorkshire163£17,127541,921460
Staffordshire121£18,114534,378217
Stirling27£23,471323,59471
Strabane2£20,245452,1477
Suffolk64£16,319644,172143
Surrey110£22,135328,819293
Sutton - Greater London2£10,4901070,6007
Swansea4£10,499968,6564
The Vale of Glamorgan2£8,1251067,4507
Tyne and Wear95£16,208547,061172
Warwickshire18£13,892647,95035
West Dunbartonshire3£10,032968,05613
West Lothian25£16,994540,41564
West Midlands237£17,640541,683556
West Sussex53£18,482535,061118
West Yorkshire275£18,752536,437543
Wiltshire68£19,623434,355170
Worcestershire49£17,482540,47388
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