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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
All6,088£16,901543,93813,735
Aberdeen City28£21,907323,593103
Aberdeenshire16£22,130321,87957
Angus10£22,055333,43630
Antrim16£20,335332,14466
Ards14£17,318453,00543
Armagh4£6,62310116,3983
Ballymena7£19,242334,83425
Ballymoney6£9,853877,0067
Barking & Dagenham - Greater London3£12,041690,9605
Barnet - Greater London4£17,956441,3284
Bedfordshire102£11,409869,923177
Belfast24£16,130544,64033
Berkshire114£20,092434,219216
Blaenau Gwent2£23,49912,7419
Brent - Greater London3£14,588586,0006
Bristol86£17,620542,380139
Bromley - Greater London23£27,787213,38841
Buckinghamshire100£19,431435,891227
Cambridgeshire223£18,638439,325413
Carmarthenshire3£14,992655,8657
Carrickfergus1£16,995320,4503
Ceredigion3£19,328539,8664
Cheshire231£19,098433,414447
City of Edinburgh49£17,195539,706144
City of London - Greater London17£23,469325,79730
Coleraine18£18,363445,96250
Conwy3£11,662755,0505
Cookstown2£17,468557,5002
Cornwall21£16,929543,29029
County Durham121£14,810650,324202
Craigavon5£13,693661,56213
Croydon - Greater London36£28,127218,06868
Cumbria24£17,654541,69150
Derbyshire122£16,558540,705394
Derry15£14,800766,23914
Devon138£21,043432,918246
Dorset48£23,399324,42096
Down2£17,223544,4009
Dumfries and Galloway3£14,095745,7819
Dundee City24£23,577318,82868
Dungannon8£12,827668,05120
Ealing - Greater London2£16,445656,1754
East Ayrshire17£13,464651,27626
East Lothian2£16,547828,9423
East Riding of Yorkshire6£15,504439,96826
East Sussex53£21,666325,248103
Enfield - Greater London20£17,595643,20550
Essex177£20,291430,767351
Falkirk19£13,023748,58130
Fermanagh7£14,411561,03310
Fife51£21,213326,554134
Flintshire1-660,0001
Glasgow City98£18,992433,401260
Gloucestershire42£14,379754,36485
Greater Manchester361£18,713538,682856
Gwynedd3£16,162543,8463
Hampshire160£17,363540,353387
Harrow - Greater London4£9,145868,8709
Havering - Greater London62£16,490642,014117
Herefordshire32£24,887318,54744
Hertfordshire171£18,719538,219447
Highland35£23,566322,00775
Hillingdon - Greater London13£9,434878,33628
Hounslow - Greater London4£7,8201076,759103
Inverclyde2£11,249757,4476
Isle of Anglesey5£4,39512101,6841
Isle of Wight15£19,164531,75127
Kent138£19,200433,178321
Kingston upon Thames - Greater London7£11,627753,6855
Lancashire208£16,495543,994467
Larne1£13,995645,643-
Leicestershire204£25,312225,342336
Limavady4£15,521446,5005
Lincolnshire182£20,970330,066386
Lisburn17£21,930328,39919
Magherafelt9£18,316438,2223
Merseyside65£17,013540,336182
Merthyr Tydfil5£13,375662,47414
Merton - Greater London4£10,471876,61010
Midlothian1£36,49501001
Monmouthshire1£3,4951495,0001
Moray3£16,996432,64724
Neath Port Talbot2£14,245746,1531
Newport1£9,295967,4774
Newry and Mourne34£19,260438,14961
Newtownabbey20£18,116437,24453
Norfolk149£19,207433,468347
North Ayrshire17£11,291751,50312
North Down5£16,486644,46712
North Lanarkshire16£19,411430,77572
North Yorkshire108£18,478433,368296
Northamptonshire45£16,626550,275143
Northumberland24£19,299429,99831
Nottinghamshire118£21,531327,942369
Omagh4£14,871768,3133
Oxfordshire77£24,667220,625144
Pembrokeshire1£23,99913,6512
Perth and Kinross28£19,296430,59867
Redbridge - Greater London1£2,49912106,1062
Renfrewshire33£18,228435,848132
Rhondda Cynon Taf28£15,465652,96539
Richmond upon Thames - Greater London1£12,985942,6622
Rutland1£14,750738,9901
Scottish Borders4£14,048740,4218
Shropshire41£19,684430,235133
Somerset83£19,610435,151160
South Ayrshire27£19,258434,22890
South Lanarkshire3£11,330962,3962
South Yorkshire175£17,403541,812483
Staffordshire123£18,537534,927227
Stirling23£21,197423,73074
Strabane6£20,461437,1676
Suffolk48£17,153535,451154
Surrey109£21,038429,107289
Sutton - Greater London1£8,750958,0009
The Vale of Glamorgan4£9,361969,8244
Tyne and Wear86£16,565545,856166
Warwickshire17£13,433655,25637
West Dunbartonshire2£14,497638,60812
West Lothian29£18,342434,64659
West Midlands259£17,306540,730587
West Sussex56£17,330642,648122
West Yorkshire296£18,815435,064575
Wiltshire54£18,799435,824182
Worcestershire39£15,884547,44689
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