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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.

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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
All7,585£18,235540,11915,504
Aberdeenshire72£20,988430,495117
Angus54£24,528320,81493
Ayrshire71£20,857432,222142
Bedfordshire129£13,660761,517191
Berkshire113£19,372536,371251
Blaenau Gwent8£14,955549,16120
Borders4£19,710320,17212
Bridgend54£23,773326,440100
Bristol72£18,180440,224149
Buckinghamshire77£18,724538,231237
Caerphilly10£8,786983,4707
Cambridgeshire236£18,363439,527485
Cardiff47£20,352432,92595
Carmarthenshire33£22,849326,52552
Cheshire211£20,552431,368499
Clackmannanshire1£18,498346,7486
Conwy9£11,057863,85813
Cornwall66£23,530323,77099
County Antrim93£17,595443,327201
County Armagh60£17,783544,86270
County Down47£18,460442,03173
County Durham112£16,887545,048221
County Fermanagh8£13,910559,9419
County Londonderry61£18,175545,76485
County Tyrone27£15,700560,57923
Cumbria25£16,116543,62644
Derbyshire136£16,038544,651362
Devon149£21,273430,581277
Dorset45£19,438434,841127
Dumfries & Galloway6£16,229535,1489
Dunbartonshire5£21,898327,83910
East Lothian3£9,780961,3655
East Riding of Yorkshire69£17,992439,007132
East Sussex84£21,346428,086131
Essex185£21,130428,431385
Falkirk17£16,066542,67735
Fife67£20,338325,759136
Flintshire2£6,9981278,9819
Gloucestershire41£14,086758,106102
Greater London306£19,118439,741639
Greater Manchester384£16,787544,795720
Gwynedd1£6,4909130,1515
Hampshire193£18,604540,003420
Herefordshire19£25,608320,48147
Hertfordshire226£18,900438,704540
Highland54£23,682326,12782
Inverclyde6£19,281428,4756
Isle of Anglesey9£5,8071195,4093
Isle of Wight14£21,783430,56124
Kent244£19,078435,573489
Lanarkshire156£21,289328,213317
Lancashire230£17,732541,304500
Leicestershire183£24,094321,469305
Lincolnshire166£20,557432,964424
Merseyside103£20,437431,988236
Merthyr Tydfil9£15,266649,30311
Midlothian69£19,798428,064169
Monmouthshire10£20,165438,90326
Moray6£15,079631,52315
Neath Port Talbot2£13,493847,9723
Newport46£23,133220,63797
Norfolk182£20,176432,363340
North Yorkshire129£19,826430,740323
Northamptonshire74£16,074649,872150
Northumberland22£19,887429,05651
Nottinghamshire155£20,125431,849363
Oxfordshire59£20,886434,516133
Pembrokeshire15£21,149434,99640
Perth & Kinross35£21,248429,46961
Powys8£22,119328,28011
Renfrewshire48£21,414427,94092
Rhondda Cynon Taf24£14,733655,62832
Rutland1£14,650738,990-
Shropshire56£19,772432,057127
Somerset84£19,614436,426174
South Yorkshire226£18,880437,989451
Staffordshire220£21,094328,281461
Stirling31£22,894221,15159
Suffolk92£18,758434,442166
Surrey124£19,329436,576281
Swansea41£22,359325,50272
Torfaen3£9,1281076,5679
Tyne and Wear108£17,406543,946184
Vale of Glamorgan7£10,6021056,6289
Warwickshire48£18,098539,93796
West Lothian41£20,160431,62940
West Midlands316£18,567437,562619
West Sussex79£18,876537,148203
West Yorkshire288£18,841435,967574
Wiltshire60£19,242435,617185
Worcestershire57£18,324542,31595
Wrexham7£11,246750,67411
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