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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
All6,268£17,248543,75313,316
Aberdeen City26£21,150324,65196
Aberdeenshire21£23,261319,92148
Angus13£20,026434,79830
Antrim27£18,787439,76867
Ards18£21,095334,53541
Armagh4£6,62310116,3984
Ballymena10£19,270437,05623
Ballymoney5£10,348870,3265
Barking & Dagenham - Greater London4£12,656781,7205
Barnet - Greater London4£20,496442,7481
Bedfordshire110£12,614765,559172
Belfast25£17,233537,75331
Berkshire116£22,057329,193227
Bexley - Greater London1£25,495323,6501
Blaenau Gwent4£22,799110,2449
Brent - Greater London3£14,588586,0006
Bristol80£17,553540,782130
Bromley - Greater London17£27,116218,82046
Buckinghamshire111£19,524435,937199
Cambridgeshire271£19,004437,324408
Cardiff1£20,650328,0003
Carmarthenshire4£14,368754,95812
Carrickfergus1£16,995320,4503
Ceredigion3£19,328539,8664
Cheshire213£18,985535,488431
City of Edinburgh42£16,797542,196160
City of London - Greater London13£23,283325,17734
Coleraine22£18,562546,94447
Conwy4£11,745854,2885
Cookstown3£15,643558,1471
Cornwall21£19,185435,68325
County Durham118£14,747648,618198
Craigavon4£14,505546,46914
Croydon - Greater London38£28,136216,10769
Cumbria24£16,891645,35752
Derbyshire134£16,792539,930384
Derry14£18,752660,65714
Devon115£21,692432,117243
Dorset55£21,376433,50386
Down4£20,009438,7257
Dumfries and Galloway4£13,570850,2958
Dundee City35£23,355322,62958
Dungannon6£15,402556,54319
Ealing - Greater London2£16,175656,1756
East Ayrshire17£14,114651,38421
East Lothian4£10,7711255,209-
East Riding of Yorkshire7£15,787446,50024
East Sussex48£22,302322,902100
Enfield - Greater London16£20,155535,81850
Essex212£20,584430,760317
Falkirk20£12,044854,29829
Fermanagh10£15,962553,2809
Fife47£22,759323,825129
Flintshire1-660,0001
Glasgow City96£19,019434,189257
Gloucestershire56£15,190653,15976
Greater Manchester391£18,387538,429828
Gwynedd2£19,495430,7703
Hampshire153£16,856642,836405
Harrow - Greater London4£8,445867,78011
Havering - Greater London65£16,640643,293120
Herefordshire32£24,126321,11544
Hertfordshire170£19,706435,391427
Highland33£23,665322,92468
Hillingdon - Greater London13£9,441877,16131
Hounslow - Greater London4£8,5201074,009126
Inverclyde3£12,898639,6105
Isle of Anglesey3£4,3281298,4403
Isle of Wight16£18,454534,98926
Kent129£19,160535,698314
Kingston upon Thames - Greater London6£10,707864,3725
Lancashire202£16,151545,393471
Larne1£13,995645,6432
Leicestershire209£25,074326,235334
Limavady3£14,947454,6672
Lincolnshire177£20,965429,762372
Lisburn11£22,475324,76921
Magherafelt9£18,093440,6675
Merseyside77£17,070538,364165
Merthyr Tydfil2£13,497862,93012
Merton - Greater London4£10,319874,18910
Midlothian1£36,49501001
Monmouthshire2£3,49514105,000-
Moray6£22,029218,65622
Neath Port Talbot2£14,523746,1532
Newport1£9,295967,4776
Newry and Mourne26£18,007545,24561
Newtownabbey27£17,565543,25453
Norfolk172£20,433429,815322
North Ayrshire13£11,628751,73915
North Down7£17,131641,25311
North Lanarkshire27£20,271430,92869
North Yorkshire108£18,149535,373304
Northamptonshire46£13,894755,975123
Northumberland21£18,282532,48526
Nottinghamshire138£20,326432,502361
Omagh4£12,359788,0032
Oxfordshire72£25,296217,947133
Pembrokeshire2£11,308864,5244
Perth and Kinross33£21,098427,30161
Renfrewshire30£18,608535,852125
Rhondda Cynon Taf27£15,974653,73741
Scottish Borders7£14,956738,3125
Shropshire45£19,435431,678120
Somerset78£20,426433,321141
South Ayrshire29£21,344330,07983
South Lanarkshire3£11,330962,3962
South Yorkshire187£18,381537,783456
Staffordshire121£16,879539,600227
Stirling24£22,053325,50271
Strabane4£20,670433,9247
Suffolk64£16,215543,674142
Surrey104£21,996428,789284
Sutton - Greater London2£12,000857,1008
Swansea3£10,666971,4174
The Vale of Glamorgan4£8,5001070,1155
Tyne and Wear89£16,071648,778156
Warwickshire21£14,399647,01132
West Dunbartonshire3£14,663645,93313
West Lothian27£19,417432,87158
West Midlands259£17,840540,471562
West Sussex49£17,680540,200120
West Yorkshire270£18,474536,628556
Wiltshire65£18,732538,256176
Worcestershire42£16,948545,70291
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