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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
All6,015£16,898543,90513,555
Aberdeen City32£21,637323,673100
Aberdeenshire14£22,670218,49656
Angus11£20,022435,94228
Antrim18£20,191334,98065
Ards13£18,292447,45943
Armagh4£6,62310116,3983
Ballymena11£17,920439,52621
Ballymoney6£9,469882,5916
Barking & Dagenham - Greater London3£12,041690,9605
Barnet - Greater London3£17,278444,1385
Bedfordshire101£11,782769,009175
Belfast25£16,996540,31130
Berkshire111£20,356433,726216
Blaenau Gwent3£21,33229,1619
Brent - Greater London3£14,588586,0006
Bristol85£17,096543,284138
Bromley - Greater London20£27,023215,56841
Buckinghamshire101£19,435436,562221
Cambridgeshire214£18,619439,628410
Carmarthenshire3£14,992655,8658
Carrickfergus1£16,995320,4503
Ceredigion3£19,328539,8664
Cheshire231£19,252432,759440
City of Edinburgh48£17,951536,597144
City of London - Greater London17£22,494330,73430
Coleraine19£18,128547,64749
Conwy3£11,662755,0505
Cookstown2£17,468557,5002
Cornwall22£16,412644,74927
County Durham122£14,739650,168203
Craigavon3£17,992430,20014
Croydon - Greater London31£28,591217,61670
Cumbria23£16,965542,74551
Derbyshire121£16,521541,128395
Derry15£15,010766,23914
Devon131£20,920433,932244
Dorset48£23,148324,57395
Down2£17,223544,4009
Dumfries and Galloway3£14,095745,7819
Dundee City23£23,254319,64668
Dungannon8£12,839668,05120
Ealing - Greater London2£16,445656,1754
East Ayrshire17£13,670650,39625
East Lothian2£16,547828,9423
East Riding of Yorkshire6£15,504439,96824
East Sussex49£21,820324,296103
Enfield - Greater London19£17,269642,98850
Essex178£20,433431,145342
Falkirk18£12,420750,67531
Fermanagh8£15,478556,1839
Fife55£21,493324,892129
Flintshire1-660,0001
Glasgow City97£19,115432,936256
Gloucestershire42£14,602753,22085
Greater Manchester367£18,592539,171845
Gwynedd3£16,162543,8463
Hampshire153£17,075541,683387
Harrow - Greater London4£9,145868,8709
Havering - Greater London63£16,488641,214112
Herefordshire32£24,893318,54744
Hertfordshire174£19,387435,685430
Highland31£24,446320,38473
Hillingdon - Greater London13£9,434878,33628
Hounslow - Greater London4£7,8201076,759105
Inverclyde2£11,249757,4475
Isle of Anglesey5£4,39512101,6841
Isle of Wight17£19,292532,18826
Kent137£19,216533,393318
Kingston upon Thames - Greater London7£11,627753,6855
Lancashire207£16,830542,254456
Larne1£13,995645,643-
Leicestershire208£25,334225,394334
Limavady6£15,138447,5003
Lincolnshire179£21,306329,110384
Lisburn17£21,754327,87317
Magherafelt9£18,316438,2223
Merseyside66£17,013539,632176
Merthyr Tydfil6£12,249769,50913
Merton - Greater London4£10,471876,61010
Midlothian1£36,49501001
Monmouthshire1£3,4951495,0001
Moray3£16,996432,64724
Neath Port Talbot2£14,445746,1531
Newport1£9,295967,4774
Newry and Mourne31£19,268439,56160
Newtownabbey20£18,189437,24453
Norfolk149£19,685431,993340
North Ayrshire17£11,291751,50312
North Down6£15,488648,51212
North Lanarkshire17£18,730533,28470
North Yorkshire98£18,313534,414298
Northamptonshire42£16,073651,189139
Northumberland25£18,974430,72632
Nottinghamshire116£21,251429,270368
Omagh4£14,871768,3133
Oxfordshire80£24,912219,985138
Pembrokeshire1£23,99913,6512
Perth and Kinross28£19,844429,96366
Redbridge - Greater London1£2,64812106,1062
Renfrewshire34£18,957433,254129
Rhondda Cynon Taf27£15,779654,48339
Richmond upon Thames - Greater London1£12,985942,6622
Rutland1£14,750738,9901
Scottish Borders3£15,572737,8258
Shropshire35£19,314430,210139
Somerset75£19,915435,624154
South Ayrshire28£19,613432,85788
South Lanarkshire3£11,330962,3962
South Yorkshire162£17,491541,435479
Staffordshire116£18,754534,176230
Stirling24£20,605426,00474
Strabane4£20,820335,4216
Suffolk46£16,778538,523152
Surrey103£21,087428,878285
Sutton - Greater London1£8,750958,0009
The Vale of Glamorgan4£9,361969,8245
Tyne and Wear89£16,447547,245162
Warwickshire21£12,924656,55433
West Dunbartonshire2£14,497638,60813
West Lothian26£18,016535,51760
West Midlands257£17,314541,519576
West Sussex55£17,383642,483122
West Yorkshire295£18,592535,909562
Wiltshire56£19,326434,877179
Worcestershire38£15,811648,17589
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