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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
All5,895£16,948544,73213,765
Aberdeen City35£22,049324,911106
Aberdeenshire18£21,454324,03254
Angus10£25,225221,57026
Antrim25£19,032330,87364
Ards13£18,335448,62937
Armagh4£6,62310116,3981
Ballymena6£23,351216,89427
Ballymoney6£9,258881,9959
Barking & Dagenham - Greater London4£12,283779,0104
Barnet - Greater London1£13,650572,2173
Bedfordshire98£11,938767,554176
Belfast29£16,423542,08427
Berkshire93£19,907436,598235
Blaenau Gwent2£21,299221,29010
Brent - Greater London5£12,081781,2005
Bristol82£17,228545,347138
Bromley - Greater London20£26,345214,52243
Buckinghamshire80£18,961437,967236
Cambridgeshire253£17,848540,735416
Cardiff1£12,599754,8964
Carmarthenshire2£16,993650,4486
Ceredigion1£9,995879,0005
Cheshire231£18,809534,032471
City of Edinburgh45£18,128538,862146
City of London - Greater London21£23,220325,97432
Clackmannanshire4£16,248459,253-
Coleraine13£17,335549,31147
Conwy2£12,495753,5767
Cookstown2£17,095558,0002
Cornwall17£16,134647,36031
County Durham105£15,275649,724208
Craigavon10£16,833535,8269
Croydon - Greater London21£20,503436,95280
Cumbria19£17,249541,45153
Derbyshire119£15,861543,374368
Derry18£14,842759,25715
Devon137£20,104435,593255
Dorset51£22,338426,24393
Down2£20,423319,9259
Dumfries and Galloway3£14,095745,7819
Dundee City30£25,500217,16469
Dungannon6£12,573774,21620
Ealing - Greater London1£17,900459,4005
East Ayrshire13£14,498544,63629
East Lothian1£22,599-48,2094
East Riding of Yorkshire12£16,123436,30126
East Sussex45£20,454429,532113
Enfield - Greater London14£19,244538,61254
Essex173£20,148431,704343
Falkirk17£11,659855,78930
Fermanagh7£15,768553,17210
Fife52£23,743320,183138
Flintshire1-660,0001
Glasgow City98£21,081429,532266
Gloucestershire40£15,488650,67993
Greater Manchester314£17,201541,081773
Gwynedd4£14,544647,9143
Hampshire148£16,710643,640403
Harrow - Greater London4£9,120868,8709
Havering - Greater London78£17,250542,314119
Herefordshire26£26,776216,80348
Hertfordshire162£18,250538,516457
Highland40£22,525426,56074
Hillingdon - Greater London12£9,646877,05029
Hounslow - Greater London37£26,185317,12489
Inverclyde4£14,549640,9035
Isle of Anglesey5£4,39512101,6841
Isle of Wight12£18,155534,50430
Kent138£18,591535,116302
Kingston upon Thames - Greater London4£12,123749,1607
Lancashire193£16,356544,442473
Larne2£10,993764,806-
Leicestershire191£24,953326,594339
Limavady7£16,474436,1434
Lincolnshire155£20,275432,215408
Lisburn12£21,983328,59822
Magherafelt8£18,986438,7504
Merseyside64£18,844536,084190
Merthyr Tydfil6£13,620660,46812
Merton - Greater London5£10,276876,0889
Monmouthshire1£3,4951495,0001
Moray6£16,479537,91720
Neath Port Talbot2£14,245746,1531
Newport4£11,496975,5314
Newry and Mourne35£19,674436,28951
Newtownabbey13£18,221439,55457
Norfolk138£19,365433,834353
North Ayrshire16£11,326752,84011
North Down7£14,125654,25712
North Lanarkshire20£18,189537,32166
North Yorkshire93£18,588434,230305
Northamptonshire46£17,525547,672139
Northumberland19£18,335436,12838
Nottinghamshire120£20,925429,423371
Omagh3£11,495887,1794
Oxfordshire67£25,054218,817137
Pembrokeshire1£23,99913,6512
Perth and Kinross32£19,444430,86061
Redbridge - Greater London1£1,69912106,1063
Renfrewshire26£18,945537,591126
Rhondda Cynon Taf27£15,017654,21838
Rutland1£14,750738,990-
Scottish Borders3£12,747847,40310
Shropshire39£19,839431,139136
Somerset88£19,467435,273166
South Ayrshire31£25,736321,71993
South Lanarkshire4£13,372853,6772
South Yorkshire180£17,842540,204466
Staffordshire128£18,960434,213242
Stirling20£21,892321,27572
Strabane6£20,461437,1675
Suffolk55£16,717535,415147
Surrey116£21,269428,585280
Sutton - Greater London3£8,0471165,2349
The Vale of Glamorgan2£11,023770,5574
Tyne and Wear81£16,555544,822171
Warwickshire14£11,837755,94940
West Dunbartonshire3£20,997229,54711
West Lothian26£17,836436,35950
West Midlands247£16,916542,494593
West Sussex56£16,033646,760126
West Yorkshire266£19,047434,199590
Wiltshire59£19,262435,688183
Worcestershire41£17,892542,28091
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