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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.

7,599 cars

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
All7,421£18,081540,64115,383
Aberdeenshire64£20,602430,607119
Angus49£25,059217,635100
Ayrshire69£20,457433,583139
Bedfordshire132£14,436657,657182
Berkshire111£19,381537,123246
Blaenau Gwent8£14,297551,60321
Borders4£16,911534,95011
Bridgend56£23,279326,15890
Bristol73£18,476438,905148
Buckinghamshire82£18,395539,885240
Caerphilly12£8,321984,0216
Cambridgeshire241£17,671541,887461
Cardiff49£21,180329,45795
Carmarthenshire30£22,578327,94154
Cheshire218£20,552431,328485
Clackmannanshire3£12,165666,3524
Conwy8£12,027750,29610
Cornwall67£24,477215,09489
County Antrim89£16,969545,756202
County Armagh58£18,172443,65370
County Down39£18,285443,13177
County Durham117£16,461547,420218
County Fermanagh7£14,047558,6038
County Londonderry53£17,457548,92587
County Tyrone25£16,091560,50925
Cumbria22£17,623537,64546
Derbyshire123£15,212647,565374
Devon141£20,531433,671271
Dorset52£19,070536,819117
Dumfries & Galloway5£18,556425,1859
Dunbartonshire4£24,623117,65610
East Lothian3£13,281739,6825
East Riding of Yorkshire54£16,765443,394132
East Sussex70£19,565432,219130
Essex177£20,374430,311395
Falkirk17£17,013538,30433
Fife66£20,292426,910143
Flintshire2£6,9981278,98110
Gloucestershire47£14,606754,63096
Greater London284£18,705540,711660
Greater Manchester359£16,454645,712760
Gwynedd1£6,4909130,1515
Hampshire196£17,523541,430402
Herefordshire17£28,119213,15747
Hertfordshire229£18,845439,148542
Highland53£22,763327,90877
Inverclyde8£17,460533,6876
Isle of Anglesey8£4,74512100,4613
Isle of Wight9£19,708535,21428
Kent240£19,205434,657467
Lanarkshire154£21,491327,262311
Lancashire225£17,332542,659503
Leicestershire189£23,978323,257298
Lincolnshire176£21,501330,524412
Merseyside106£20,323431,851242
Merthyr Tydfil6£12,647763,26414
Midlothian69£19,085432,262170
Monmouthshire11£21,423436,05726
Moray6£16,946526,73116
Neath Port Talbot2£13,493847,9723
Newport40£20,632328,48692
Norfolk180£19,945434,321352
North Yorkshire128£20,171429,306315
Northamptonshire67£16,917645,420150
Northumberland16£18,452429,57453
Nottinghamshire154£20,095432,637359
Oxfordshire60£22,030329,460133
Pembrokeshire16£21,527435,12535
Perth & Kinross34£19,347433,75057
Powys9£25,106321,91310
Renfrewshire52£22,677324,61885
Rhondda Cynon Taf27£14,528656,68230
Rutland1£14,650738,990-
Shropshire52£17,932540,529128
Somerset90£20,574434,327164
South Yorkshire205£17,557542,111453
Staffordshire238£21,911327,138448
Stirling28£23,465319,82958
Suffolk83£18,427436,898156
Surrey131£19,201436,551272
Swansea40£21,640329,20071
Torfaen2£7,9951284,35011
Tyne and Wear105£16,628547,047178
Vale of Glamorgan7£10,6481056,62810
Warwickshire48£18,422437,989101
West Lothian45£19,376432,01241
West Midlands286£18,404537,951612
West Sussex78£18,956538,017205
West Yorkshire278£19,023435,288576
Wiltshire62£19,201437,674178
Worcestershire54£17,021548,37092
Wrexham10£10,513767,2938
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