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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
All6,969£17,921540,78515,552
Aberdeenshire55£19,532431,667130
Angus49£24,592218,06799
Ayrshire73£19,607436,634122
Bedfordshire123£14,346657,753177
Berkshire97£19,751536,731248
Blaenau Gwent6£13,330758,71121
Borders4£16,911534,95011
Bridgend40£21,973433,96990
Bristol73£18,044439,597152
Buckinghamshire79£17,059542,576240
Caerphilly10£8,984982,1867
Cambridgeshire233£17,913542,471461
Cardiff42£21,523328,07793
Carmarthenshire34£21,980324,38558
Cheshire223£20,045432,624464
Clackmannanshire4£13,248562,8352
Conwy9£12,551749,2978
Cornwall65£22,602321,23384
County Antrim88£17,023543,937193
County Armagh48£18,435442,54172
County Down43£17,977544,68584
County Durham110£15,326549,760217
County Fermanagh7£14,196558,60311
County Londonderry51£17,730548,68992
County Tyrone22£15,278658,56029
Cumbria22£17,597536,68145
Derbyshire120£15,258648,281392
Devon157£19,576437,216262
Dorset49£18,762539,755110
Dumfries & Galloway6£20,239321,3717
Dunbartonshire5£18,097443,6209
East Lothian2£15,297648,8414
East Riding of Yorkshire60£17,557438,868130
East Sussex63£19,155433,645135
Essex176£19,282534,986382
Falkirk21£16,105643,59330
Fife64£20,446426,813146
Flintshire5£4,49512109,7906
Gloucestershire44£13,873757,97096
Greater London272£18,601541,974680
Greater Manchester336£16,451644,625763
Gwynedd1£16,995323,0003
Hampshire157£17,272544,440422
Herefordshire23£26,736219,32144
Hertfordshire193£17,917541,331556
Highland55£22,253428,62576
Inverclyde9£18,353432,3636
Isle of Anglesey8£4,74512100,4614
Isle of Wight10£18,177537,76229
Kent208£18,830434,678480
Lanarkshire148£21,232326,922307
Lancashire212£16,820543,943497
Leicestershire189£24,183322,641308
Lincolnshire165£20,706433,845407
Merseyside99£20,900430,525241
Merthyr Tydfil6£14,230759,01815
Midlothian62£19,041433,562166
Monmouthshire14£22,245331,54123
Moray5£15,196632,02217
Neath Port Talbot1£14,995845,9443
Newport34£19,006436,16884
Norfolk154£19,133435,834364
North Yorkshire126£19,851430,379306
Northamptonshire57£16,098649,796158
Northumberland14£17,702434,51357
Nottinghamshire143£20,835430,992378
Oxfordshire54£23,280324,119146
Pembrokeshire17£21,278435,41033
Perth & Kinross33£18,711434,79258
Powys6£19,744428,96112
Renfrewshire37£22,886324,60198
Rhondda Cynon Taf27£14,194657,01334
Rutland1£14,650738,990-
Shropshire49£18,367537,526125
Somerset84£20,508434,186181
South Yorkshire187£17,301543,402479
Staffordshire211£21,746326,302459
Stirling25£24,141215,70063
Suffolk76£18,263436,197156
Surrey115£19,406434,086286
Swansea32£21,233431,00077
Torfaen3£10,328980,27712
Tyne and Wear105£16,591545,862171
Vale of Glamorgan6£11,958856,8869
Warwickshire49£20,304432,024102
West Lothian37£18,233435,25245
West Midlands277£17,318541,264596
West Sussex67£18,775539,695216
West Yorkshire266£19,247434,896596
Wiltshire61£18,576439,884186
Worcestershire53£17,634543,62090
Wrexham8£9,880772,1229
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