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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
All5,952£17,051543,89513,741
Aberdeen City37£22,115324,328106
Aberdeenshire19£20,067428,89454
Angus10£25,225221,57026
Antrim26£19,238329,57765
Ards13£18,335448,62937
Armagh4£6,62310116,3981
Ballymena7£22,436219,63627
Ballymoney6£9,258881,9959
Barking & Dagenham - Greater London4£12,283779,0104
Barnet - Greater London1£13,650572,2173
Bedfordshire100£12,100766,816176
Belfast29£16,391542,08427
Berkshire91£19,903436,228236
Blaenau Gwent3£21,199226,94510
Brent - Greater London5£12,081781,2005
Bristol82£16,982545,341140
Bromley - Greater London20£26,326214,52242
Buckinghamshire86£19,651436,139232
Cambridgeshire260£17,896540,660417
Cardiff1£12,599754,8964
Carmarthenshire3£15,827647,5536
Carrickfergus1£17,295314,7904
Ceredigion1£9,995879,0005
Cheshire231£18,893534,040472
City of Edinburgh45£17,812540,204146
City of London - Greater London19£23,458326,07033
Clackmannanshire4£16,248459,253-
Coleraine12£16,280553,08148
Conwy2£12,495753,5767
Cookstown2£17,095558,0002
Cornwall18£15,682645,28532
County Durham103£15,198650,027209
Craigavon8£16,861536,09011
Croydon - Greater London21£20,498436,93280
Cumbria21£16,819542,29052
Derbyshire120£16,008542,836369
Derry10£16,641645,95017
Devon138£20,048435,851256
Dorset46£22,875325,37797
Down3£17,280432,9508
Dumfries and Galloway3£14,095745,7819
Dundee City27£25,834217,73871
Dungannon6£12,573774,21620
Ealing - Greater London2£22,325436,4505
East Ayrshire13£14,445644,57730
East Lothian1£22,599-48,2094
East Riding of Yorkshire12£15,167540,87527
East Sussex45£20,954428,334112
Enfield - Greater London11£18,910540,04057
Essex174£20,214431,504345
Falkirk18£12,377753,30430
Fermanagh6£16,647446,20111
Fife52£23,974319,922137
Flintshire1-660,0001
Glasgow City101£21,166429,542266
Gloucestershire36£15,456750,73794
Greater Manchester316£17,046541,391767
Gwynedd4£14,544647,9143
Hampshire156£17,055542,515403
Harrow - Greater London4£9,120868,8709
Havering - Greater London77£17,368541,691119
Herefordshire27£26,488216,99247
Hertfordshire166£18,416538,432451
Highland38£21,876428,20177
Hillingdon - Greater London12£9,646877,05029
Hounslow - Greater London42£26,104317,68689
Inverclyde4£14,549640,9165
Isle of Anglesey5£4,39512101,6841
Isle of Wight11£19,215430,36830
Kent137£18,262536,432302
Kingston upon Thames - Greater London4£12,123749,1607
Lancashire186£16,336545,305468
Larne2£10,993764,806-
Leicestershire195£24,745327,041337
Limavady7£16,474436,1434
Lincolnshire159£20,328432,337402
Lisburn12£21,983328,59822
Magherafelt8£18,986438,7504
Merseyside66£18,934536,558189
Merthyr Tydfil6£13,511660,46812
Merton - Greater London5£10,276876,0889
Monmouthshire1£3,4951495,0001
Moray5£14,636544,55621
Neath Port Talbot2£14,245746,1531
Newport5£11,037975,0384
Newry and Mourne35£19,674436,28948
Newtownabbey14£18,455439,57257
Norfolk143£19,301433,425349
North Ayrshire16£11,326752,84011
North Down6£15,313648,80013
North Lanarkshire22£17,701539,09666
North Yorkshire93£18,735433,713302
Northamptonshire46£17,365546,907140
Northumberland18£17,215537,21240
Nottinghamshire133£21,641327,529369
Omagh3£11,495887,1794
Oxfordshire68£24,843219,488135
Pembrokeshire1£23,99913,6512
Perth and Kinross31£19,446431,66262
Renfrewshire23£17,960540,637127
Rhondda Cynon Taf27£15,017654,21838
Rutland1£14,750738,990-
Scottish Borders3£12,747847,40310
Shropshire42£20,070429,795134
Somerset88£19,426435,056164
South Ayrshire34£25,274322,03892
South Lanarkshire4£13,372853,6772
South Yorkshire185£18,006539,801463
Staffordshire130£19,198433,243244
Stirling20£21,817321,22073
Strabane6£20,461437,1675
Suffolk57£16,782536,191147
Surrey118£21,273428,462280
Sutton - Greater London2£7,6951368,85110
The Vale of Glamorgan2£11,023770,5574
Tyne and Wear81£16,656544,780172
Warwickshire14£11,837755,94939
West Dunbartonshire3£20,997229,54711
West Lothian26£17,836436,35949
West Midlands251£16,838542,784591
West Sussex54£16,251646,129127
West Yorkshire270£19,048434,071585
Wiltshire61£18,959436,767179
Worcestershire39£17,878542,12390
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