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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.

7,652 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
All7,472£18,276539,84915,429
Aberdeenshire69£20,751430,723117
Angus53£24,720319,38793
Ayrshire69£20,819432,444141
Bedfordshire136£14,271658,230186
Berkshire112£18,788538,896256
Blaenau Gwent8£14,297551,60320
Borders3£18,881422,99012
Bridgend57£23,569325,37691
Bristol71£18,733439,023151
Buckinghamshire74£18,203539,580245
Caerphilly12£8,321984,0215
Cambridgeshire243£17,898540,720468
Cardiff52£20,829329,93990
Carmarthenshire29£22,312328,77953
Cheshire216£20,453432,246490
Clackmannanshire1£18,498346,7486
Conwy10£11,946753,45410
Cornwall71£23,998317,50992
County Antrim100£17,326443,343196
County Armagh55£17,966544,51673
County Down41£18,597440,84376
County Durham115£16,410547,475217
County Fermanagh9£13,910559,9418
County Londonderry55£17,372549,06886
County Tyrone25£16,039560,50925
Cumbria23£18,329533,85845
Derbyshire124£16,108544,573374
Devon147£21,184431,462268
Dorset48£19,602435,402123
Dumfries & Galloway6£16,279535,1489
Dunbartonshire5£22,798224,2599
East Lothian3£13,281739,6825
East Riding of Yorkshire57£16,904542,727133
East Sussex81£20,734428,742129
Essex172£20,569429,930394
Falkirk15£16,939540,60836
Fife65£19,974427,873139
Flintshire2£6,9981278,98110
Gloucestershire50£14,243755,92398
Greater London300£18,951540,125652
Greater Manchester364£16,721545,432735
Gwynedd1£6,4909130,1515
Hampshire192£17,877540,251410
Herefordshire20£26,575217,18346
Hertfordshire221£18,750439,321544
Highland61£23,902325,12976
Inverclyde6£19,448428,4756
Isle of Anglesey8£4,74512100,4613
Isle of Wight9£19,708535,21426
Kent235£19,102434,977480
Lanarkshire159£21,710326,926311
Lancashire227£17,506541,849507
Leicestershire178£23,961323,626308
Lincolnshire169£21,029431,799416
Merseyside102£20,197432,394235
Merthyr Tydfil7£13,983657,42812
Midlothian72£19,208430,526170
Monmouthshire10£21,165437,56227
Moray7£16,595526,73216
Neath Port Talbot2£13,493847,9723
Newport44£23,036222,11797
Norfolk179£20,085432,588344
North Yorkshire126£19,841430,511324
Northamptonshire68£16,608647,357150
Northumberland17£19,640326,53752
Nottinghamshire160£20,184432,154355
Oxfordshire57£22,528327,689132
Pembrokeshire16£20,496437,47736
Perth & Kinross32£20,581432,06759
Powys8£23,557324,03411
Renfrewshire50£21,827327,46289
Rhondda Cynon Taf27£15,048654,87529
Rutland1£14,650738,990-
Shropshire57£19,059436,126124
Somerset85£20,869434,035165
South Yorkshire209£18,345539,996451
Staffordshire224£21,350328,069454
Stirling31£23,390220,81860
Suffolk78£18,942433,988163
Surrey142£19,236437,287264
Swansea36£22,195327,44876
Torfaen3£9,1281076,5679
Tyne and Wear106£17,313543,991180
Vale of Glamorgan6£10,7041058,18010
Warwickshire48£18,499538,50895
West Lothian43£19,849431,43442
West Midlands302£18,275538,459627
West Sussex81£19,261437,029205
West Yorkshire289£18,896435,418573
Wiltshire60£19,403436,401176
Worcestershire45£17,394545,972100
Wrexham8£11,211752,50110
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