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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
All6,223£17,184544,51713,269
Aberdeen City28£20,621426,25496
Aberdeenshire25£23,555320,75346
Angus10£20,755432,16230
Antrim25£18,728440,46670
Ards18£20,454336,88539
Armagh4£6,62310116,3984
Ballymena9£18,523440,17425
Ballymoney4£11,198865,4115
Barking & Dagenham - Greater London4£12,719781,7205
Barnet - Greater London4£20,496442,7482
Bedfordshire109£13,003763,545175
Belfast25£16,960537,68232
Berkshire100£21,633431,060229
Blaenau Gwent4£22,799110,2449
Brent - Greater London5£12,821770,3204
Bristol77£17,626541,918132
Bromley - Greater London18£27,484215,45943
Buckinghamshire109£19,411436,301203
Cambridgeshire271£18,924438,052412
Cardiff1£20,650328,0003
Carmarthenshire4£14,368754,95812
Carrickfergus2£12,245749,1972
Ceredigion3£19,328539,8664
Cheshire207£18,948534,559431
City of Edinburgh45£18,456537,650156
City of London - Greater London14£22,173328,73232
Coleraine18£18,027550,69146
Conwy4£11,245863,0384
Cookstown3£15,643558,1471
Cornwall20£18,569539,71224
County Durham121£14,933648,754189
Craigavon5£13,564652,23714
Croydon - Greater London36£28,556215,35673
Cumbria24£17,854537,38850
Derbyshire143£16,542540,741379
Derry15£18,246658,89212
Devon115£21,522432,608240
Dorset57£21,614431,68383
Down4£20,009438,7257
Dumfries and Galloway5£14,556745,4268
Dundee City33£23,925321,20357
Dungannon6£14,469665,19019
Ealing - Greater London2£16,175656,1756
East Ayrshire16£14,143652,58620
East Lothian4£10,8711255,209-
East Riding of Yorkshire9£18,139440,64624
East Sussex46£22,081324,035106
Enfield - Greater London20£19,886436,10649
Essex206£20,609430,368317
Falkirk20£12,284855,98129
Fermanagh10£16,212553,2809
Fife47£22,874323,231130
Flintshire2£5,000895,771-
Glasgow City104£19,308433,504253
Gloucestershire52£14,444756,00278
Greater Manchester387£18,468537,871821
Gwynedd2£19,495430,7704
Hampshire152£16,457644,475410
Harrow - Greater London3£8,862870,00112
Havering - Greater London67£16,537643,237116
Herefordshire32£23,948321,87944
Hertfordshire174£19,545536,333430
Highland29£23,764323,39271
Hillingdon - Greater London14£8,809879,30230
Hounslow - Greater London4£8,5201074,009131
Inverclyde3£12,998639,6105
Isle of Anglesey3£4,3281298,4403
Isle of Wight16£18,454534,98926
Kent121£18,972535,995315
Kingston upon Thames - Greater London6£10,707864,3725
Lancashire208£17,008542,991473
Larne1£13,995645,6432
Leicestershire206£25,535220,225336
Limavady3£15,113454,3331
Lincolnshire162£20,372431,609373
Lisburn12£21,234330,23220
Magherafelt9£17,634440,6675
Merseyside79£17,145538,810164
Merthyr Tydfil3£13,164769,31711
Merton - Greater London4£10,395874,18910
Midlothian1£36,49501001
Monmouthshire2£3,49514105,000-
Moray5£23,736213,18722
Neath Port Talbot2£14,523746,1532
Newport1£9,295967,4776
Newry and Mourne26£17,929546,20460
Newtownabbey27£17,481544,27053
Norfolk172£20,592429,242319
North Ayrshire15£11,758753,24115
North Down7£18,346534,15311
North Lanarkshire29£19,994432,60267
North Yorkshire111£17,893536,421304
Northamptonshire50£13,833756,293120
Northumberland18£17,791534,42528
Nottinghamshire145£20,264432,204352
Omagh4£12,359788,0032
Oxfordshire55£24,328321,180132
Pembrokeshire1£9,120975,5004
Perth and Kinross36£21,298426,69361
Renfrewshire30£18,741436,939125
Rhondda Cynon Taf27£15,321656,21441
Scottish Borders7£14,956738,3125
Shropshire51£18,986434,286113
Somerset79£19,852434,525142
South Ayrshire34£22,264326,21773
South Lanarkshire3£11,330962,3962
South Yorkshire170£18,148537,417458
Staffordshire115£17,201537,535227
Stirling26£21,722326,61870
Strabane4£20,670433,9247
Suffolk67£16,799541,914143
Surrey105£21,916428,908282
Sutton - Greater London1£15,250656,2008
Swansea4£10,312968,6563
The Vale of Glamorgan4£8,5001070,1156
Tyne and Wear92£16,602546,868155
Warwickshire21£14,302647,56631
West Dunbartonshire3£14,663645,93314
West Lothian25£19,597432,91362
West Midlands250£18,045539,673545
West Sussex52£17,039640,243116
West Yorkshire262£18,404537,301563
Wiltshire69£18,897538,527180
Worcestershire43£17,549542,68393
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