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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
All6,363£17,457543,91112,848
Aberdeen City35£22,968321,75793
Aberdeenshire27£23,610320,11541
Angus10£20,415323,38932
Antrim26£18,682438,61363
Ards16£21,548332,27535
Armagh4£6,48411114,1705
Ballymena16£17,594540,25224
Ballymoney5£10,493868,8553
Barking & Dagenham - Greater London5£12,294780,6385
Barnet - Greater London3£20,829333,4755
Bedfordshire116£14,674657,730185
Belfast18£16,530538,31139
Berkshire77£19,649537,031226
Bexley - Greater London1£24,120323,3652
Blaenau Gwent4£18,874529,67413
Brent - Greater London8£13,366677,5753
Bristol73£15,770646,334119
Bromley - Greater London14£25,954319,31837
Buckinghamshire96£20,132433,410200
Cambridgeshire240£19,078436,959409
Cardiff10£23,189425,68914
Carmarthenshire3£11,992760,98015
Carrickfergus2£16,995327,698-
Ceredigion8£11,2451072,29810
Cheshire189£19,571433,330437
City of Edinburgh37£20,535433,476157
City of London - Greater London30£19,423538,90747
Coleraine27£19,060445,89339
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall18£18,679543,48922
County Durham122£16,275644,972183
Craigavon3£15,757545,80312
Croydon - Greater London36£28,061219,26583
Cumbria26£19,204533,75747
Denbighshire1£16,499634,7901
Derbyshire159£16,891541,475338
Derry15£17,446655,91116
Devon119£20,591434,526235
Dorset41£19,569434,75669
Down5£18,646542,1998
Dumfries and Galloway3£11,428959,10611
Dundee City37£22,730326,25344
Dungannon11£16,012659,93713
Ealing - Greater London1£15,798664,1006
East Ayrshire14£14,441649,72222
East Dunbartonshire2£11,598853,7365
East Lothian3£7,0321271,263-
East Riding of Yorkshire16£15,038651,70731
East Sussex45£23,066320,951112
Enfield - Greater London13£20,519436,81146
Essex213£21,658428,530288
Falkirk20£12,640854,44130
Fermanagh11£15,887558,7099
Fife59£22,617324,033127
Flintshire2£5,290895,7711
Glasgow City95£20,823429,928214
Gloucestershire44£15,386652,99169
Greater Manchester453£18,136550,445717
Greenwich - Greater London1£21,490319,7601
Gwynedd2£19,495430,7704
Hampshire161£17,221543,966419
Harrow - Greater London4£8,784972,10710
Havering - Greater London66£15,491646,666124
Herefordshire33£26,113212,82341
Hertfordshire177£19,855437,214400
Highland39£23,740323,81973
Hillingdon - Greater London12£9,175878,77730
Hounslow - Greater London48£24,627323,292111
Inverclyde4£15,498639,7237
Isle of Anglesey2£4,49511104,8505
Isle of Wight18£18,986531,00926
Kent121£21,211432,273345
Kingston upon Thames - Greater London3£11,832856,8815
Lancashire209£17,614543,520437
Leicestershire184£25,647219,325320
Lincolnshire153£20,848430,527359
Lisburn13£20,822330,06216
Magherafelt8£16,336547,6255
Merseyside79£18,879533,642171
Merthyr Tydfil7£14,276654,8928
Merton - Greater London5£9,966869,5937
Monmouthshire1£3,6951495,000-
Moray9£21,185320,79921
Neath Port Talbot2£12,997857,9721
Newport5£10,748863,8097
Newry and Mourne35£19,624436,30348
Newtownabbey20£17,377544,07645
Norfolk174£19,783431,173282
North Ayrshire11£11,985754,65518
North Down10£16,632541,7139
North Lanarkshire28£18,512535,42274
North Yorkshire88£18,642535,805278
Northamptonshire62£14,846654,522107
Northumberland16£19,357426,54738
Nottinghamshire142£20,591429,666338
Omagh3£16,463668,4341
Oxfordshire67£23,252323,582119
Pembrokeshire1£9,495975,5005
Perth and Kinross33£21,958424,40358
Powys1£24,595221,412-
Renfrewshire38£21,074429,116116
Rhondda Cynon Taf24£13,388761,19936
Scottish Borders4£20,932528,4606
Shropshire52£20,493431,739104
Somerset91£21,166429,032131
South Ayrshire30£23,867219,61378
South Lanarkshire19£20,206429,67740
South Yorkshire180£17,328541,657444
Staffordshire111£18,593432,641217
Stirling37£22,632325,10468
Strabane1£23,495343,7997
Suffolk70£16,988542,259147
Surrey120£22,141328,737271
Sutton - Greater London4£10,360972,9355
Swansea5£10,899869,0743
The Vale of Glamorgan2£8,2501067,4508
Tyne and Wear88£16,588546,303169
Warwickshire44£18,233537,43674
West Dunbartonshire2£10,923879,29212
West Lothian24£17,085539,83962
West Midlands228£17,605541,253554
West Sussex54£16,912540,308102
West Yorkshire256£18,276536,903526
Wiltshire83£20,006432,034170
Worcestershire46£17,509541,166104
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