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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
All5,963£16,911543,96613,525
Aberdeen City30£20,929425,35395
Aberdeenshire15£23,412218,19354
Angus11£20,040435,94229
Antrim21£19,620436,48864
Ards13£19,519341,00242
Armagh4£6,62310116,3983
Ballymena11£19,072438,23321
Ballymoney6£9,569882,5916
Barking & Dagenham - Greater London3£12,041690,9605
Barnet - Greater London4£17,956441,3284
Bedfordshire98£12,179767,149176
Belfast23£16,814538,05131
Berkshire112£20,855431,585217
Blaenau Gwent4£22,17417,2908
Brent - Greater London3£14,588586,0006
Bristol79£17,398542,186142
Bromley - Greater London20£26,849215,73241
Buckinghamshire100£19,391436,526217
Cambridgeshire214£18,751439,348417
Carmarthenshire3£15,158655,8659
Carrickfergus1£16,995320,4503
Ceredigion3£19,328539,8664
Cheshire228£19,357432,396436
City of Edinburgh44£17,404538,201147
City of London - Greater London18£22,900329,09931
Coleraine19£17,225550,41146
Conwy3£11,662755,0505
Cookstown3£15,643558,1471
Cornwall20£16,654644,32628
County Durham106£14,553650,504210
Craigavon3£17,992430,20015
Croydon - Greater London34£29,353215,63867
Cumbria21£16,935646,35349
Derbyshire121£16,862538,522401
Derry12£16,334765,74516
Devon126£21,015433,455246
Dorset47£23,620323,93594
Down2£17,223544,4009
Dumfries and Galloway4£16,196637,9318
Dundee City23£22,458322,62868
Dungannon8£11,658775,43119
Ealing - Greater London2£16,445656,1755
East Ayrshire12£13,609650,28828
East Lothian2£16,547828,9423
East Riding of Yorkshire8£14,751552,38422
East Sussex52£22,130324,449102
Enfield - Greater London21£18,442539,13248
Essex181£20,288431,720332
Falkirk17£11,766854,21429
Fermanagh8£15,478556,18310
Fife54£21,452325,647127
Flintshire1-660,0001
Glasgow City91£18,392435,438262
Gloucestershire45£14,425756,01086
Greater Manchester364£18,387539,816836
Gwynedd4£15,194644,7002
Hampshire160£17,031542,756384
Harrow - Greater London3£8,562867,2039
Havering - Greater London61£16,073642,657111
Herefordshire29£23,197323,23943
Hertfordshire172£19,387436,342431
Highland30£25,367217,86276
Hillingdon - Greater London12£9,649877,46029
Hounslow - Greater London4£7,8701076,759110
Inverclyde3£11,332751,7565
Isle of Anglesey5£4,39512101,6841
Isle of Wight17£19,292532,18826
Kent144£19,388533,405310
Kingston upon Thames - Greater London7£10,977864,3195
Lancashire209£17,078541,899460
Larne1£13,995645,6431
Leicestershire209£25,552224,512334
Limavady4£15,646445,2503
Lincolnshire162£21,401328,505381
Lisburn18£22,301328,12817
Magherafelt9£18,316438,2223
Merseyside74£16,540540,959170
Merthyr Tydfil6£12,092764,15512
Merton - Greater London4£10,592872,1809
Midlothian1£36,49501001
Monmouthshire1£3,4951495,0001
Moray4£14,872544,16323
Neath Port Talbot2£14,445746,1531
Newport1£9,295967,4775
Newry and Mourne22£17,225549,44362
Newtownabbey22£18,377437,16355
Norfolk149£20,118430,989341
North Ayrshire16£11,666749,64412
North Down6£15,488648,51212
North Lanarkshire20£18,349535,59869
North Yorkshire103£18,724432,686295
Northamptonshire39£17,016547,738139
Northumberland24£18,336531,60831
Nottinghamshire120£20,922430,476358
Omagh4£14,871768,3133
Oxfordshire83£24,520220,385136
Pembrokeshire1£23,99913,6512
Perth and Kinross28£20,201429,49465
Renfrewshire29£17,561436,906131
Rhondda Cynon Taf28£16,312653,08738
Richmond upon Thames - Greater London1£12,985942,6622
Rutland1£14,750738,9901
Scottish Borders5£13,236742,6706
Shropshire36£19,059433,937136
Somerset76£20,151434,080156
South Ayrshire27£17,858537,49289
South Lanarkshire3£11,330962,3962
South Yorkshire156£17,774540,419477
Staffordshire109£18,740535,015233
Stirling21£20,554427,72671
Strabane4£20,670434,2095
Suffolk49£17,307538,287149
Surrey101£21,080428,780286
Sutton - Greater London1£8,750958,0009
Swansea2£9,749879,8916
The Vale of Glamorgan4£9,549969,8245
Tyne and Wear86£16,181550,269157
Warwickshire18£13,598651,46833
West Dunbartonshire2£14,497638,60814
West Lothian27£17,986537,69558
West Midlands271£17,447541,591581
West Sussex56£16,991643,913120
West Yorkshire287£18,904434,819563
Wiltshire54£18,563536,617181
Worcestershire38£16,290546,69792
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