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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
All7,429£18,051540,79115,421
Aberdeenshire64£20,602430,607121
Angus49£25,059217,635100
Ayrshire69£20,457433,583141
Bedfordshire132£14,956655,865179
Berkshire103£19,433537,785243
Blaenau Gwent8£14,297551,60322
Borders4£16,911534,95011
Bridgend55£22,895327,46789
Bristol76£18,343438,749147
Buckinghamshire77£17,871541,393241
Caerphilly12£8,304984,0216
Cambridgeshire240£17,694542,205463
Cardiff51£21,414328,50993
Carmarthenshire28£23,173326,34557
Cheshire223£20,402431,754482
Clackmannanshire3£12,165666,3524
Conwy8£12,058750,29610
Cornwall69£24,076316,30988
County Antrim92£17,079544,979201
County Armagh54£17,429546,47970
County Down39£18,310443,13179
County Durham117£16,820546,221219
County Fermanagh7£14,047558,6038
County Londonderry54£17,477548,29986
County Tyrone24£16,416559,87426
Cumbria22£17,623537,64546
Derbyshire124£15,350647,292378
Devon145£20,424434,277265
Dorset48£19,243536,693118
Dumfries & Galloway5£18,556425,1859
Dunbartonshire5£23,698223,3429
East Lothian3£13,281739,6825
East Riding of Yorkshire54£16,885542,693131
East Sussex71£19,598432,414131
Essex175£20,326430,283397
Falkirk17£17,013538,30433
Fife65£20,363427,157146
Flintshire2£6,9981278,98110
Gloucestershire46£14,721754,71898
Greater London285£18,584541,341665
Greater Manchester363£16,418645,763758
Gwynedd1£6,4909130,1515
Hampshire192£17,300542,079405
Herefordshire19£27,816213,34345
Hertfordshire228£18,843439,089549
Highland55£22,544328,87878
Inverclyde8£17,460533,6876
Isle of Anglesey8£4,74512100,4613
Isle of Wight8£19,010538,82129
Kent244£19,215434,662465
Lanarkshire155£21,482327,523309
Lancashire227£17,503542,521502
Leicestershire190£24,271322,322301
Lincolnshire177£21,541330,575412
Merseyside105£19,900433,187242
Merthyr Tydfil6£12,647763,26415
Midlothian72£19,244432,432168
Monmouthshire12£20,554437,71925
Moray6£16,946526,73116
Neath Port Talbot2£13,493847,9723
Newport40£20,799327,40891
Norfolk178£20,108333,745350
North Yorkshire128£20,453328,528316
Northamptonshire68£16,776645,820148
Northumberland14£18,409432,98955
Nottinghamshire154£20,144432,594363
Oxfordshire61£22,391328,006135
Pembrokeshire15£20,782437,63436
Perth & Kinross36£19,415433,15756
Powys9£25,106321,91310
Renfrewshire52£22,677324,61886
Rhondda Cynon Taf27£14,528656,68231
Rutland1£14,650738,990-
Shropshire50£18,393538,050129
Somerset86£20,132435,798169
South Yorkshire201£17,441542,403457
Staffordshire245£21,935327,233442
Stirling29£23,638319,33058
Suffolk84£18,498436,728153
Surrey129£18,947537,229273
Swansea40£21,634329,20074
Torfaen2£7,9951284,35011
Tyne and Wear108£16,726546,851175
Vale of Glamorgan7£10,6481056,62810
Warwickshire47£18,733436,354101
West Lothian44£19,066432,68043
West Midlands287£18,594437,388617
West Sussex78£19,100537,017206
West Yorkshire282£19,130434,463582
Wiltshire60£18,531439,114180
Worcestershire54£17,023548,37093
Wrexham10£10,513767,2938
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