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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
All8,023£18,099540,61115,441
Aberdeenshire70£21,575428,638121
Angus54£24,139321,57594
Ayrshire74£20,912431,887140
Bedfordshire136£13,894759,898194
Berkshire114£19,364535,494258
Blaenau Gwent9£14,071550,92119
Borders3£18,564324,32710
Bridgend60£23,297328,29593
Bristol68£18,378439,568147
Buckinghamshire88£19,001437,803238
Caerphilly10£8,756983,4705
Cambridgeshire257£18,593439,889485
Cardiff49£21,611330,14390
Carmarthenshire39£21,633326,92049
Cheshire235£20,909430,199489
Clackmannanshire1£18,498346,7486
Conwy9£11,057863,85812
Cornwall63£23,590217,751102
County Antrim91£18,173440,220197
County Armagh68£17,969442,14668
County Down42£18,343440,23277
County Durham121£16,981544,626216
County Fermanagh8£13,785559,9418
County Londonderry60£17,867548,17088
County Tyrone26£16,215556,21226
Cumbria28£15,592645,08643
Denbighshire1£6,59510105,000-
Derbyshire150£16,159542,902353
Devon162£21,127431,759275
Dorset53£20,074433,624123
Dumfries & Galloway7£15,626539,2839
Dunbartonshire5£21,898327,8399
East Lothian3£9,780961,3655
East Riding of Yorkshire77£17,652439,345131
East Sussex82£21,275428,063132
Essex198£20,656430,406381
Falkirk19£15,917545,84832
Fife74£20,156327,191133
Flintshire2£6,9981278,9819
Gloucestershire41£14,383757,292105
Greater London321£19,234439,486641
Greater Manchester415£17,085542,694719
Gwynedd1£6,4909130,1515
Hampshire216£18,404540,603416
Herefordshire23£24,550320,88540
Hertfordshire222£19,220437,113548
Highland54£23,462326,00480
Inverclyde6£19,281428,4756
Isle of Anglesey9£5,8071195,4093
Isle of Wight16£19,898535,38823
Kent244£19,852434,222498
Lanarkshire157£21,443327,403315
Lancashire257£17,775540,689499
Leicestershire197£23,706323,041306
Lincolnshire165£20,300434,363424
Merseyside109£20,305432,431232
Merthyr Tydfil9£15,165649,30311
Midlothian66£19,796428,679168
Monmouthshire10£20,895436,44223
Moray6£15,079631,52315
Neath Port Talbot2£13,493847,9722
Newport49£21,798323,410103
Norfolk191£19,911433,281339
North Yorkshire149£19,650431,489307
Northamptonshire71£14,563656,513145
Northumberland23£19,378430,53447
Nottinghamshire169£20,204431,980364
Oxfordshire55£21,181432,396139
Pembrokeshire15£21,149434,99638
Perth & Kinross39£20,958429,95263
Powys11£22,022428,10812
Renfrewshire50£20,007431,16389
Rhondda Cynon Taf27£17,054544,54434
Rutland1£14,650738,990-
Shropshire65£19,965432,292119
Somerset93£19,680436,651173
South Yorkshire251£19,057439,125457
Staffordshire217£21,292427,857475
Stirling36£22,776320,79360
Suffolk101£19,784432,634167
Surrey138£19,101438,304271
Swansea46£22,743325,61673
Torfaen3£9,1281076,5679
Tyne and Wear106£17,486542,018193
Vale of Glamorgan6£10,7031058,0919
Warwickshire50£18,222438,96497
West Lothian41£21,003329,58745
West Midlands339£18,806436,618610
West Sussex87£19,647434,265206
West Yorkshire292£18,860435,334575
Wiltshire70£19,097434,973173
Worcestershire64£19,646437,70294
Wrexham6£11,359746,9199
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