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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
All7,276£18,101540,07715,482
Aberdeenshire65£20,537430,649122
Angus47£25,455216,485101
Ayrshire69£20,507433,095140
Bedfordshire127£14,716656,982180
Berkshire101£19,571537,641247
Blaenau Gwent7£13,840647,96823
Borders4£16,911534,95011
Bridgend56£22,864327,59189
Bristol76£18,178439,199147
Buckinghamshire75£17,489542,245242
Caerphilly10£8,435982,7237
Cambridgeshire242£17,669542,799467
Cardiff44£21,835326,20493
Carmarthenshire30£22,928325,88556
Cheshire211£20,479431,629486
Clackmannanshire3£12,165666,3524
Conwy9£12,051752,5029
Cornwall68£23,861317,28087
County Antrim88£17,310544,433202
County Armagh56£17,557545,65370
County Down40£18,226443,43778
County Durham112£16,814546,198221
County Fermanagh7£14,047558,6038
County Londonderry52£17,060550,04487
County Tyrone23£16,226560,73826
Cumbria22£17,623537,64547
Derbyshire116£14,712650,039379
Devon145£20,614433,784265
Dorset46£19,621435,706119
Dumfries & Galloway5£18,556425,1859
Dunbartonshire5£23,698223,3429
East Lothian3£13,281739,6825
East Riding of Yorkshire54£16,835543,294129
East Sussex67£19,441433,207130
Essex174£20,215430,646395
Falkirk18£16,551540,35732
Fife65£20,468427,109146
Flintshire2£6,9981278,98110
Gloucestershire44£14,517756,16498
Greater London275£18,439542,046667
Greater Manchester361£16,399645,992763
Hampshire191£17,463541,685410
Herefordshire20£27,125214,53944
Hertfordshire207£18,519540,200557
Highland53£22,753328,72580
Inverclyde8£17,460533,6876
Isle of Anglesey8£4,74512100,4613
Isle of Wight8£19,010538,82129
Kent241£18,973435,258461
Lanarkshire149£21,581327,012312
Lancashire216£17,188543,095502
Leicestershire192£24,080323,218302
Lincolnshire178£21,691330,587412
Merseyside102£20,168433,200245
Merthyr Tydfil6£12,647763,25815
Midlothian68£18,805433,716168
Monmouthshire11£20,286539,23825
Moray6£16,946526,73116
Neath Port Talbot2£13,493847,9723
Newport38£20,330428,64091
Norfolk172£20,172333,759356
North Yorkshire128£20,273428,927319
Northamptonshire64£16,096648,306149
Northumberland14£18,409432,98956
Nottinghamshire157£19,945433,067362
Oxfordshire58£22,571327,580138
Pembrokeshire14£20,624438,76137
Perth & Kinross34£18,807434,96657
Powys9£24,772320,97210
Renfrewshire51£22,553325,01488
Rhondda Cynon Taf25£14,978654,46832
Rutland1£14,650738,990-
Shropshire48£18,321538,349130
Somerset81£19,901436,785173
South Yorkshire199£17,549542,376459
Staffordshire242£21,905326,989445
Stirling28£23,611319,09158
Suffolk86£18,091438,838152
Surrey130£19,095436,665272
Swansea38£21,419330,16574
Torfaen2£7,9951284,35011
Tyne and Wear110£16,808547,126175
Vale of Glamorgan7£10,7911056,62810
Warwickshire49£19,101435,552101
West Lothian43£18,544433,49042
West Midlands281£18,215538,977618
West Sussex79£18,932538,071206
West Yorkshire271£18,991435,038589
Wiltshire62£18,724439,630177
Worcestershire55£16,859549,24491
Wrexham10£10,513767,2938
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