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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
All6,039£16,821545,02813,832
Aberdeen City29£20,667426,364106
Aberdeenshire18£22,423322,16054
Angus9£25,251222,17727
Antrim20£19,904328,61963
Ards12£18,347450,06341
Armagh4£6,62310116,3982
Ballymena3£22,738211,94528
Ballymoney7£9,022977,8698
Barking & Dagenham - Greater London4£12,283779,0105
Barnet - Greater London2£14,073551,6572
Bedfordshire100£11,964767,593182
Belfast27£16,240542,68432
Berkshire107£19,993435,209229
Blaenau Gwent4£21,399224,3458
Brent - Greater London4£12,391688,0006
Bristol82£17,765542,020139
Bromley - Greater London22£27,354213,58643
Buckinghamshire93£18,807537,385231
Cambridgeshire249£18,321539,958412
Carmarthenshire3£14,992655,8656
Ceredigion2£18,495647,9015
Cheshire232£18,917533,632469
City of Edinburgh41£16,743541,516152
City of London - Greater London18£23,221327,43332
Clackmannanshire2£15,248567,051-
Coleraine15£16,443552,14448
Conwy4£10,495952,2105
Cookstown2£17,468557,5002
Cornwall19£16,102647,72930
County Durham117£15,570647,614208
Craigavon7£13,551656,6608
Croydon - Greater London26£22,118431,11879
Cumbria22£16,646543,47150
Derbyshire130£16,344541,365373
Derry13£14,313766,39419
Devon132£20,628433,832252
Dorset52£22,977324,04395
Down3£16,280539,2178
Dumfries and Galloway4£16,496637,2728
Dundee City27£23,846220,59867
Dungannon6£12,573774,21622
Ealing - Greater London1£17,900459,4005
East Ayrshire13£14,991544,14330
East Lothian2£16,547849,5233
East Riding of Yorkshire12£16,456438,97828
East Sussex48£20,532429,075110
Enfield - Greater London18£20,042436,44450
Essex193£20,019431,515338
Falkirk18£12,101752,95230
Fermanagh7£15,768553,17210
Fife50£22,036325,548144
Flintshire1-660,0001
Glasgow City89£19,401432,976262
Gloucestershire47£16,174648,23890
Greater Manchester360£18,202538,762840
Gwynedd4£14,544647,9143
Hampshire157£16,574643,611399
Harrow - Greater London3£8,562867,2039
Havering - Greater London65£17,414540,604121
Herefordshire29£25,972217,91446
Hertfordshire163£18,360538,378456
Highland41£23,005325,78473
Hillingdon - Greater London10£9,371879,57030
Hounslow - Greater London4£7,7201076,75993
Inverclyde3£11,832652,5496
Isle of Anglesey5£4,39512101,6841
Isle of Wight10£18,547532,95531
Kent141£18,384534,706302
Kingston upon Thames - Greater London4£12,173749,1608
Lancashire201£16,342544,953477
Larne2£10,993764,806-
Leicestershire201£25,066326,219339
Limavady7£16,510436,1434
Lincolnshire167£20,825430,412399
Lisburn17£22,312325,92319
Magherafelt8£18,986438,7504
Merseyside58£16,763540,912193
Merthyr Tydfil5£14,144657,90612
Merton - Greater London5£10,276876,0889
Midlothian1£36,49501001
Monmouthshire1£3,4951495,0001
Moray4£15,422542,32122
Neath Port Talbot2£14,245746,1531
Newport4£14,572762,3183
Newry and Mourne35£19,444437,20552
Newtownabbey17£18,452536,69054
Norfolk139£19,532433,188357
North Ayrshire18£11,245753,42111
North Down5£16,086643,75912
North Lanarkshire19£18,119537,23567
North Yorkshire96£17,693536,140304
Northamptonshire48£16,797548,049138
Northumberland25£19,187433,77233
Nottinghamshire122£20,856430,083372
Omagh3£11,495887,1794
Oxfordshire73£24,826219,879136
Pembrokeshire1£23,99913,6512
Perth and Kinross34£18,891432,48961
Redbridge - Greater London2£2,53712115,1002
Renfrewshire26£16,868540,764133
Rhondda Cynon Taf26£15,150654,03139
Rutland1£14,750738,990-
Scottish Borders4£11,714852,7979
Shropshire42£20,273429,692134
Somerset80£19,180436,961162
South Ayrshire31£23,607325,89496
South Lanarkshire4£13,372853,6772
South Yorkshire181£17,283542,099473
Staffordshire140£18,861534,957232
Stirling21£20,868424,23472
Strabane6£20,461437,1675
Suffolk55£17,250534,622146
Surrey115£21,368429,391289
Sutton - Greater London2£7,3491268,1459
The Vale of Glamorgan2£11,098770,5575
Tyne and Wear81£16,052545,028174
Warwickshire15£11,217760,03639
West Dunbartonshire3£15,663542,18312
West Lothian29£18,263435,63650
West Midlands258£17,256540,964593
West Sussex52£16,585644,534127
West Yorkshire275£18,744435,319586
Wiltshire62£19,433434,663184
Worcestershire37£15,486649,89297
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