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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
All7,242£17,964540,39815,469
Aberdeenshire67£20,796429,964123
Angus48£25,008217,667100
Ayrshire69£20,507433,095143
Bedfordshire128£14,922656,257178
Berkshire101£19,316537,675245
Blaenau Gwent6£14,814544,13023
Borders4£16,911534,95011
Bridgend57£22,830328,04389
Bristol76£18,196439,199149
Buckinghamshire75£16,773544,053237
Caerphilly11£8,304984,0216
Cambridgeshire243£17,723542,652467
Cardiff44£21,850326,35793
Carmarthenshire28£22,727327,13957
Cheshire212£20,361431,744484
Clackmannanshire3£14,831458,6903
Conwy10£11,946752,4528
Cornwall70£23,508318,80885
County Antrim88£17,591443,226201
County Armagh53£17,778545,47773
County Down39£18,439443,57579
County Durham109£16,353547,412221
County Fermanagh7£14,196558,6039
County Londonderry52£16,747551,27988
County Tyrone21£15,820561,65826
Cumbria21£17,788536,94547
Derbyshire118£14,654649,594376
Devon146£20,465434,081263
Dorset45£19,466536,300119
Dumfries & Galloway7£19,182421,2607
Dunbartonshire6£21,581329,4638
East Lothian3£13,281739,6825
East Riding of Yorkshire54£16,792541,202130
East Sussex66£19,547433,053131
Essex176£20,063431,756389
Falkirk19£15,850643,45432
Fife64£20,355427,430146
Flintshire2£6,9981278,98110
Gloucestershire45£14,541755,479100
Greater London276£18,416542,182666
Greater Manchester354£16,334646,206759
Gwynedd1£7,490970,8204
Hampshire190£17,343542,759409
Herefordshire20£27,380214,85944
Hertfordshire199£18,107540,961562
Highland55£22,863328,36978
Inverclyde8£17,460533,6876
Isle of Anglesey8£4,74512100,4613
Isle of Wight8£19,010538,82129
Kent244£19,048435,197454
Lanarkshire147£21,515327,070315
Lancashire217£16,998544,006500
Leicestershire194£24,256323,171303
Lincolnshire174£21,346332,113411
Merseyside103£20,151433,745242
Merthyr Tydfil6£12,647763,25815
Midlothian64£18,679534,866169
Monmouthshire11£20,786437,09124
Moray6£16,579527,22816
Neath Port Talbot2£13,493847,9723
Newport37£20,088429,25091
Norfolk167£20,244333,210357
North Yorkshire122£20,131429,403317
Northamptonshire67£16,317646,702148
Northumberland14£18,409432,98956
Nottinghamshire159£19,824433,366367
Oxfordshire57£22,990326,349142
Pembrokeshire15£20,482436,74036
Perth & Kinross34£19,043434,42959
Powys9£24,772320,97210
Renfrewshire50£22,543325,16489
Rhondda Cynon Taf25£14,933653,86732
Rutland1£14,650738,990-
Shropshire49£18,436537,739132
Somerset81£20,134435,675174
South Yorkshire200£17,047543,983456
Staffordshire235£21,931326,831447
Stirling28£23,625318,53060
Suffolk87£17,984438,564150
Surrey129£19,278436,084279
Swansea37£21,274330,19174
Torfaen2£7,9951284,35011
Tyne and Wear107£16,963546,587175
Vale of Glamorgan7£10,7911056,60910
Warwickshire49£19,099435,551101
West Lothian41£18,130434,94044
West Midlands278£18,017539,600610
West Sussex80£18,999537,329205
West Yorkshire269£19,011435,284589
Wiltshire61£18,762439,178176
Worcestershire55£16,860549,24491
Wrexham10£10,513767,2938
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