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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
All6,265£17,096544,05613,206
Aberdeen City32£23,387320,52598
Aberdeenshire27£23,604320,58045
Angus8£21,645320,53332
Antrim21£20,163334,90672
Ards14£22,252334,37242
Armagh4£6,69810116,3985
Ballymena15£17,716537,65322
Ballymoney5£10,493868,8554
Barking & Dagenham - Greater London5£11,112786,7496
Barnet - Greater London3£22,993332,9252
Bedfordshire118£14,389657,875182
Belfast20£17,060537,22539
Berkshire91£19,578536,307217
Blaenau Gwent4£24,12412,57813
Brent - Greater London7£13,746680,2863
Bristol86£17,215542,705124
Bromley - Greater London15£25,988321,82341
Buckinghamshire100£19,945433,937204
Cambridgeshire254£18,846538,293424
Cardiff8£25,485317,1795
Carmarthenshire3£15,658547,47115
Carrickfergus2£16,995327,6981
Ceredigion10£10,7951072,5758
Cheshire183£18,986535,579446
City of Edinburgh40£20,420432,822163
City of London - Greater London31£19,069541,44145
Coleraine24£17,021553,04443
Conwy4£10,245973,5003
Cookstown2£17,468557,5001
Cornwall17£19,128540,97222
County Durham114£15,331646,896194
Craigavon2£12,490758,46614
Croydon - Greater London33£27,498319,70685
Cumbria25£19,420432,25048
Derbyshire163£16,735540,608357
Derry14£17,719657,23615
Devon113£20,284436,400246
Dorset42£19,323537,20076
Down4£20,359438,7258
Dumfries and Galloway3£11,428959,1069
Dundee City39£23,677322,69951
Dungannon8£14,619664,82417
Ealing - Greater London1£15,798664,1006
East Ayrshire13£15,449545,35024
East Lothian3£6,9131271,263-
East Riding of Yorkshire10£17,744543,78323
East Sussex43£22,086322,389113
Enfield - Greater London16£21,352436,57247
Essex217£21,436429,511301
Falkirk21£12,620852,73129
Fermanagh11£15,933554,7099
Fife63£23,307323,512125
Flintshire2£5,190895,7711
Glasgow City112£20,071432,070252
Gloucestershire47£15,872649,13574
Greater Manchester416£17,942538,292755
Greenwich - Greater London1£21,490319,7601
Gwynedd2£19,495430,7704
Hampshire172£17,183541,719414
Harrow - Greater London4£9,545871,12111
Havering - Greater London66£16,041645,488131
Herefordshire31£26,198213,04943
Hertfordshire166£19,993435,606421
Highland32£24,005324,31779
Hillingdon - Greater London14£9,082877,78028
Hounslow - Greater London39£24,792321,977116
Inverclyde3£13,165639,6107
Isle of Anglesey3£7,830985,9004
Isle of Wight20£18,402532,51225
Kent110£19,709534,469320
Kingston upon Thames - Greater London4£11,061970,8835
Lancashire233£17,508542,422465
Larne1£13,995645,6432
Leicestershire198£25,470319,458330
Limavady2£17,745336,5003
Lincolnshire154£20,939429,073370
Lisburn13£19,932435,15917
Magherafelt10£16,336546,2005
Merseyside83£19,419432,390155
Merthyr Tydfil4£11,998864,46011
Merton - Greater London4£9,646874,4398
Monmouthshire1£3,6951495,000-
Moray8£20,770422,98822
Neath Port Talbot2£12,997857,9371
Newport2£12,123860,35910
Newry and Mourne31£19,218437,75754
Newtownabbey24£17,722542,19846
Norfolk161£19,634431,942306
North Ayrshire12£12,119753,87019
North Down9£16,547643,3418
North Lanarkshire24£19,051533,99973
North Yorkshire103£19,153434,097287
Northamptonshire53£14,399654,025110
Northumberland18£16,365534,28441
Nottinghamshire140£20,470430,848354
Omagh2£13,745779,1762
Oxfordshire57£23,536323,538129
Pembrokeshire1£9,495975,5005
Perth and Kinross36£22,177425,54061
Redbridge - Greater London1£6,3481151,2001
Renfrewshire32£20,304429,859124
Rhondda Cynon Taf24£13,901761,73744
Scottish Borders6£18,788527,2195
Shropshire52£19,729431,696114
Somerset74£21,162428,718142
South Ayrshire33£23,870221,72580
South Lanarkshire3£11,330962,3963
South Yorkshire161£17,012542,764466
Staffordshire110£17,965534,773221
Stirling29£22,811325,68971
Strabane2£20,245452,1477
Suffolk67£17,016542,148143
Surrey111£22,336327,961289
Sutton - Greater London2£10,4901070,6007
Swansea4£10,624968,6564
The Vale of Glamorgan2£8,2501067,4507
Tyne and Wear94£15,935648,585171
Warwickshire18£13,892647,95035
West Dunbartonshire4£12,773760,56212
West Lothian23£16,851541,96466
West Midlands232£17,484541,988558
West Sussex52£18,003536,341114
West Yorkshire267£18,752536,333546
Wiltshire70£19,358435,069169
Worcestershire50£17,332540,71595
Wrexham1£4,4951310,1003
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