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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
All6,956£17,952540,81215,577
Aberdeenshire55£19,939430,650133
Angus47£24,524319,18197
Ayrshire74£19,704435,794121
Bedfordshire121£14,376657,670182
Berkshire92£20,777433,978253
Blaenau Gwent7£14,354655,93220
Borders4£16,911535,85012
Bridgend43£21,760435,14888
Bristol73£17,781540,332148
Buckinghamshire78£17,140542,636247
Caerphilly9£8,4821080,8348
Cambridgeshire246£18,138441,317455
Cardiff36£22,254326,40094
Carmarthenshire34£21,971323,92161
Cheshire222£19,670433,323464
Clackmannanshire5£14,198462,4561
Conwy9£12,551749,2978
Cornwall67£22,808320,59485
County Antrim82£17,427542,955198
County Armagh46£18,339542,45074
County Down38£18,764442,14687
County Durham112£15,647549,166215
County Fermanagh6£13,980558,27111
County Londonderry44£16,469553,38889
County Tyrone22£15,278658,56029
Cumbria22£17,587536,68146
Derbyshire129£16,281543,261384
Devon155£19,607437,332271
Dorset51£19,470537,038106
Dumfries & Galloway7£20,212321,7278
Dunbartonshire5£18,097443,6209
East Lothian2£15,2971066,4134
East Riding of Yorkshire58£17,243438,800130
East Sussex66£19,177433,602134
Essex185£19,409534,957375
Falkirk20£15,845645,28930
Fife63£20,349427,060151
Flintshire5£4,49512109,7906
Gloucestershire43£14,086756,48397
Greater London261£18,684541,401680
Greater Manchester329£16,290644,456772
Gwynedd1£17,995323,0003
Hampshire160£17,468543,928418
Herefordshire21£27,355218,84546
Hertfordshire183£17,694541,382553
Highland56£22,633327,53975
Inverclyde9£18,353432,3636
Isle of Anglesey8£4,74512100,4614
Isle of Wight10£20,677428,05129
Kent205£18,450435,800483
Lanarkshire145£21,526326,898312
Lancashire214£17,290542,632497
Leicestershire204£23,801323,814310
Lincolnshire164£20,579433,765403
Merseyside99£20,738430,377250
Merthyr Tydfil7£14,610653,92214
Midlothian69£18,903434,379161
Monmouthshire15£22,762329,98322
Moray5£12,636745,14116
Neath Port Talbot1£14,995845,9443
Newport36£19,507434,49879
Norfolk158£18,777436,685358
North Yorkshire109£19,615430,619307
Northamptonshire52£15,569652,439163
Northumberland15£17,182536,75754
Nottinghamshire144£20,854431,092383
Oxfordshire57£23,393324,030145
Pembrokeshire15£21,449435,89834
Perth & Kinross33£18,893433,94858
Powys4£19,369431,56812
Renfrewshire36£23,258324,002105
Rhondda Cynon Taf27£13,702759,37633
Rutland1£14,750738,990-
Shropshire47£18,743536,819130
Somerset88£20,296433,942184
South Yorkshire194£16,993543,931471
Staffordshire204£21,817327,313460
Stirling23£22,414318,68664
Suffolk76£17,895436,700154
Surrey110£19,506434,126290
Swansea30£22,052329,07375
Torfaen4£9,620976,70811
Tyne and Wear101£16,522544,994170
Vale of Glamorgan6£11,200957,2689
Warwickshire51£20,013432,851100
West Lothian39£18,093435,23546
West Midlands276£17,153541,675596
West Sussex68£18,536541,385218
West Yorkshire277£19,286434,339595
Wiltshire64£18,828438,101188
Worcestershire53£17,450543,81089
Wrexham9£10,224769,4448
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