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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
All5,972£16,878544,30913,790
Aberdeen City29£21,322325,096106
Aberdeenshire15£22,206321,02556
Angus10£22,255332,79627
Antrim14£21,190330,90367
Ards13£17,227454,66544
Armagh4£6,62310116,3983
Ballymena6£19,867334,13926
Ballymoney7£9,230977,8697
Barking & Dagenham - Greater London3£12,041690,9605
Barnet - Greater London5£18,163440,1034
Bedfordshire100£11,407869,783179
Belfast25£16,189543,53533
Berkshire103£19,997434,497225
Blaenau Gwent2£23,49912,7419
Brent - Greater London4£12,516688,0006
Bristol84£17,949540,908141
Bromley - Greater London21£27,684212,89243
Buckinghamshire99£19,615435,628231
Cambridgeshire254£18,660438,570416
Carmarthenshire3£14,992655,8657
Ceredigion2£18,495647,9015
Cheshire234£19,536432,302457
City of Edinburgh44£16,627541,516147
City of London - Greater London16£23,349326,95532
Coleraine18£18,363445,96249
Conwy3£11,662755,0505
Cookstown2£17,468557,5002
Cornwall21£16,932542,75330
County Durham118£15,234648,073207
Craigavon5£13,592661,56213
Croydon - Greater London36£27,461320,84871
Cumbria24£17,654541,69150
Derbyshire120£16,393541,416388
Derry15£16,210663,48315
Devon138£20,913433,446242
Dorset48£23,577323,86295
Down2£17,223544,4009
Dumfries and Galloway3£14,095745,7818
Dundee City24£23,564318,84969
Dungannon6£12,828669,26821
Ealing - Greater London1£17,900459,4005
East Ayrshire15£14,284548,30328
East Lothian2£16,547828,9423
East Riding of Yorkshire6£15,504439,96826
East Sussex52£21,593326,034102
Enfield - Greater London19£18,009541,99850
Essex171£20,234430,744349
Falkirk19£13,034748,58129
Fermanagh7£14,411561,03310
Fife48£20,986326,779138
Flintshire1-660,0001
Glasgow City91£18,291435,338262
Gloucestershire39£14,127756,22686
Greater Manchester351£18,603538,276850
Gwynedd3£15,495543,8463
Hampshire154£17,406540,266392
Harrow - Greater London4£9,145868,8709
Havering - Greater London60£16,692641,076118
Herefordshire28£25,471217,90248
Hertfordshire159£18,353538,931449
Highland34£23,847321,97476
Hillingdon - Greater London13£9,395878,33628
Hounslow - Greater London4£7,7201076,75999
Inverclyde2£11,249757,4476
Isle of Anglesey5£4,39512101,6841
Isle of Wight13£17,921534,17129
Kent139£18,836534,249314
Kingston upon Thames - Greater London7£11,627753,6855
Lancashire201£16,753543,372469
Larne1£13,995645,643-
Leicestershire204£25,229225,639334
Limavady4£15,521446,5005
Lincolnshire175£20,808430,628393
Lisburn17£21,871328,53919
Magherafelt9£18,316438,2223
Merseyside62£17,564538,312187
Merthyr Tydfil5£13,375662,47413
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£19,089438,24660
Newtownabbey20£18,116437,24451
Norfolk149£19,403432,850349
North Ayrshire17£11,291751,50312
North Down5£16,486644,46712
North Lanarkshire17£18,710533,01372
North Yorkshire103£18,451433,184299
Northamptonshire47£16,479550,694138
Northumberland24£19,299429,99830
Nottinghamshire117£21,581327,990366
Omagh3£11,495887,1794
Oxfordshire78£24,914220,021132
Pembrokeshire1£23,99913,6512
Perth and Kinross30£18,477433,53966
Redbridge - Greater London1£2,49912106,1062
Renfrewshire29£17,777436,838136
Rhondda Cynon Taf27£15,526652,96440
Richmond upon Thames - Greater London1£11,390942,6622
Rutland1£14,750738,9901
Scottish Borders4£14,048740,4218
Shropshire38£19,838429,403135
Somerset81£19,504435,212160
South Ayrshire31£22,530327,63994
South Lanarkshire3£11,330962,3962
South Yorkshire171£17,443541,565475
Staffordshire119£18,546534,597228
Stirling21£21,240422,58374
Strabane6£20,461437,1676
Suffolk53£17,375434,838151
Surrey109£21,163428,348289
Sutton - Greater London1£8,750958,0009
The Vale of Glamorgan3£10,232868,3715
Tyne and Wear84£16,303546,809166
Warwickshire18£13,334654,25837
West Dunbartonshire2£14,497638,60812
West Lothian29£18,348434,64658
West Midlands252£17,051541,689590
West Sussex53£17,513641,723126
West Yorkshire287£18,912435,230583
Wiltshire51£19,301435,820185
Worcestershire35£16,079546,72893
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