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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
All6,875£17,725541,48115,589
Aberdeenshire55£20,060430,255142
Angus48£24,230321,39394
Ayrshire74£19,742435,544112
Bedfordshire113£14,054658,404181
Berkshire91£21,128433,297253
Blaenau Gwent9£13,697655,33318
Borders5£15,258643,62011
Bridgend31£19,216544,61087
Bristol75£17,546541,704146
Buckinghamshire79£16,865543,116251
Caerphilly9£8,4821080,8348
Cambridgeshire244£17,770541,873454
Cardiff37£21,706328,21396
Carmarthenshire21£21,733328,28161
Cheshire210£19,259434,577469
Clackmannanshire6£14,831461,073-
Conwy10£12,296751,5678
Cornwall66£23,066319,52886
County Antrim83£17,443542,645196
County Armagh40£17,038547,45773
County Down43£17,818546,10082
County Durham111£15,581649,147211
County Fermanagh6£13,980558,27111
County Londonderry45£16,360553,58988
County Tyrone21£14,910658,82531
Cumbria23£17,498536,79745
Derbyshire138£16,370542,626376
Devon155£19,062539,401273
Dorset49£18,650539,935105
Dumfries & Galloway7£20,218321,7279
Dunbartonshire4£18,497337,1778
East Lothian2£15,2971066,4134
East Riding of Yorkshire63£17,327438,200126
East Sussex56£18,395534,923134
Essex189£19,458434,855375
Falkirk20£15,916645,28931
Fife62£20,727325,617155
Flintshire6£5,8711298,8875
Gloucestershire38£14,355757,53494
Greater London259£18,545541,488679
Greater Manchester333£16,785543,106769
Gwynedd1£17,995323,0003
Hampshire157£17,178544,130422
Herefordshire22£27,475218,18647
Hertfordshire182£17,810540,498557
Highland47£20,740432,72474
Inverclyde7£17,169535,6656
Isle of Anglesey8£4,74512100,4614
Isle of Wight9£19,253430,86129
Kent214£18,596434,962485
Lanarkshire147£21,582326,778320
Lancashire207£17,028543,977503
Leicestershire198£23,988323,541313
Lincolnshire165£20,401433,683404
Merseyside95£20,955429,833256
Merthyr Tydfil6£14,563657,18115
Midlothian66£19,247434,341164
Monmouthshire17£23,242328,59822
Moray4£11,796751,77617
Neath Port Talbot1£14,995845,9443
Newport37£19,547432,49378
Norfolk155£19,110435,690357
North Yorkshire103£19,314431,731311
Northamptonshire54£14,934653,479158
Northumberland15£17,969534,08653
Nottinghamshire141£21,167329,147382
Oxfordshire64£23,699323,292141
Pembrokeshire12£17,187649,87133
Perth & Kinross31£19,114433,41159
Powys4£19,369431,56812
Renfrewshire37£22,602325,269107
Rhondda Cynon Taf26£13,464761,53132
Rutland1£14,750738,990-
Shropshire48£18,607536,989129
Somerset84£19,945434,827187
South Yorkshire190£16,745544,906475
Staffordshire202£21,826325,926457
Stirling23£22,414318,68666
Suffolk78£17,804436,052152
Surrey109£19,286434,962286
Swansea30£21,365330,62275
Torfaen4£9,620976,70811
Tyne and Wear97£16,752544,796173
Vale of Glamorgan7£11,064859,2849
Warwickshire44£18,543436,601101
West Lothian39£18,139435,78947
West Midlands282£17,045542,004598
West Sussex66£18,992538,809216
West Yorkshire278£19,373433,935600
Wiltshire66£18,304539,872185
Worcestershire50£16,655646,11190
Wrexham9£10,204769,4448
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