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Used Kia Stonic on Finance

Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.

Getting a Kia Stonic on finance

  1. Research the Vehicle:

    • The Kia Stonic is a compact SUV, combining style, versatility, and a suite of modern features.
    • Familiarise yourself with the various trim levels and specifications. Look for elements that matter to you, such as infotainment options, safety features, and engine variants.
    • If you're considering a used model, pay attention to the year and any subsequent model updates or changes.
  2. Searching for a Used Model:

    • If you're in the market for a used Kia Stonic on finance, start with Kia's approved-used dealerships. These vehicles often come with extended warranties and have undergone manufacturer-standard checks.
    • Also, explore online platforms, local dealerships, and car supermarkets for availability and pricing.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Start with an upfront deposit, followed by monthly instalments. At the end of the term, you can choose to pay a balloon payment to own the car, hand it back, or begin a new agreement.
    • Hire Purchase (HP): After a deposit, you repay the car's value through monthly instalments. Once all payments are made, the car is yours.
    • Leasing: Rent the Kia Stonic for a set period and then return it once the contract ends.
    • Personal Loan: Obtain a loan from a bank or lender to buy the car outright, then repay the loan in monthly instalments.
  4. Acquire and Compare Quotes:

    • Get finance quotes from Kia dealerships and independent finance institutions. Some providers may offer competitive rates for a used Kia Stonic on finance.
    • When comparing offers, consider the APR (Annual Percentage Rate) as a true reflection of the cost of borrowing.
  5. Your Credit Score:

    • Your credit score can influence the terms of your finance and the interest rate offered.
    • Before applying, check your credit standing with UK agencies like Experian, Equifax, or TransUnion. Correct any inaccuracies promptly.
  6. Budgeting:

    • Decide on a comfortable monthly payment based on your financial capabilities.
    • Remember, a larger deposit typically means lower monthly repayments.
  7. Review the Agreement:

    • If considering a PCP or lease deal, be aware of any mileage limitations.
    • Understand any fees or penalties related to early contract termination or surpassing the agreed mileage.
  8. Negotiate the Deal:

    • With the information you've gathered, try negotiating both the vehicle's price and the terms of finance. This might provide some leeway, even when seeking a used Kia Stonic on finance.
    • Remember to focus on the total cost over the term, not just the monthly payments.
  9. Complete the Purchase:

    • After settling on terms, complete the required paperwork.
    • Before signing, ensure you fully understand all terms and conditions.
    • Always keep a copy of the agreement and any related documentation.
  10. Insurance:

  • Before taking ownership of the Stonic, ensure you have adequate car insurance.
  • It's always beneficial to shop around for the best deal.
  1. End-of-Agreement Choices:
  • If on PCP: At the end, decide if you'll make the balloon payment, return the car, or initiate a new agreement.
  • With HP: After completing all payments, the car is yours.
  • For leases, be prepared to return the car in a condition that aligns with the agreement's stipulations.
  1. Other Costs to Consider:
  • Always budget for potential additional costs like road tax, maintenance, and fuel.

When looking to finance a vehicle, it's essential to ensure the chosen terms align with your financial situation and anticipated future changes. If ever uncertain, seek guidance from financial experts or trusted professionals.

About the Kia Stonic

The compact crossover segment is a fierce battleground, with a multitude of options vying for the urban driver's attention. Into this competitive mix, Kia introduced its contender – the Kia Stonic, aiming to capture the imagination of those seeking a blend of style, functionality, and value.

From Korea to the UK Streets: Unveiled in 2017, the Kia Stonic is a compact SUV that exudes youthful energy. With a name derived from combining 'Speedy' and 'Tonic', this car has been designed to appeal to a dynamic audience seeking agility and freshness in their rides. As it made its journey from Korea to the roads of the UK, it was clear that the Stonic aimed to cater to the unique tastes of the British market.

Design Meets Functionality: One of the standout aspects of the Stonic is its bold design. The car’s sporty silhouette is complemented by a range of vibrant two-tone colour options, giving owners a chance to personalise their vehicle to reflect their personality. But the Stonic isn’t just about looks. With ample boot space, advanced driver assistance systems, and a spacious interior, it ensures practicality isn't sacrificed.

Facing the Competition: In the UK, the Stonic competes with the likes of the Nissan Juke, Renault Captur, and SEAT Arona. However, Kia’s offering stands out with its balance of design aesthetics, features, and the brand's renowned 7-year warranty.

Final Thoughts: The Kia Stonic represents the brand's ambitious endeavour to capture a significant slice of the urban crossover pie. With its design-forward approach, balanced with practicality and complemented by finance-friendly options, it's poised as a compelling choice for the British driver.

Kia Stonic Data by County

Kia Stonic data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All1,036£14,864423,7772,019
Aberdeen City4£15,373424,95322
Aberdeenshire7£14,211430,40010
Angus5£11,695637,16910
Antrim1£13,950537,0002
Ards2£14,490321,9573
Ballymena3£10,797564,177-
Bedfordshire12£13,538435,87416
Belfast3£13,415521,49315
Berkshire9£15,390420,17120
Blaenau Gwent3£15,132220,34211
Bristol3£14,99339,62612
Bromley - Greater London2£15,495421,0008
Buckinghamshire6£15,333418,21720
Cambridgeshire22£13,943428,97530
Cardiff6£15,509313,35111
Carmarthenshire14£14,662425,01218
Carrickfergus2£13,300435,6331
Ceredigion11£17,277217,82115
Cheshire22£14,660321,61858
City of Edinburgh16£16,244215,97630
City of London - Greater London35£14,828427,40635
Clackmannanshire2£17,29828,1661
Coleraine5£13,753421,3834
Conwy2£18,245516,4982
County Durham18£15,026421,51219
Craigavon1£13,495410,8251
Croydon - Greater London4£14,563427,87914
Cumbria6£14,106428,11921
Denbighshire1£12,995426,8001
Derbyshire15£14,449323,33638
Devon23£15,082423,27448
Dorset12£17,480313,41715
Dumfries and Galloway1£13,495635,1152
Dundee City3£14,997319,4519
Dungannon1£11,999622,351-
East Ayrshire2£15,775312,4024
East Lothian1£14,000421,507-
East Riding of Yorkshire7£13,345427,6515
East Sussex15£14,037423,92124
Enfield - Greater London4£14,820416,98611
Essex17£15,947319,87944
Falkirk4£12,723432,232-
Fermanagh1£12,695547,8201
Fife21£19,124322,00645
Glasgow City14£14,975421,47824
Gloucestershire6£14,664324,61515
Greater Manchester64£14,853320,12187
Hampshire26£15,584319,33661
Havering - Greater London5£16,190316,52213
Herefordshire3£19,19524,57812
Hertfordshire32£15,949322,64260
Highland7£15,255422,38718
Hounslow - Greater London6£15,057314,2406
Inverclyde3£15,598213,2777
Isle of Anglesey1£10,999546,000-
Isle of Wight3£14,931429,4548
Kent43£15,239424,26773
Lancashire30£15,065419,32353
Leicestershire14£15,487317,79323
Limavady1£16,49511,0001
Lincolnshire27£14,406421,57576
Lisburn1£19,74312183
Merseyside20£15,005419,58643
Merthyr Tydfil2£13,858520,7811
Merton - Greater London1£5,9900134,0001
Monmouthshire2£17,995314,1127
Newport5£13,419435,65514
Newry and Mourne3£12,996519,1686
Newtownabbey3£13,899219,1077
Norfolk15£17,760214,60329
North Ayrshire1£10,995649,000-
North Lanarkshire11£15,902322,12324
North Yorkshire15£16,010318,58844
Northamptonshire11£12,686539,03721
Northumberland6£15,266322,37510
Nottinghamshire13£14,567426,44544
Omagh1£13,590329,198-
Oxfordshire4£15,070415,68112
Pembrokeshire6£17,95329,6998
Perth and Kinross5£18,881213,28313
Powys1£18,75018,1421
Renfrewshire12£15,490318,44120
Rhondda Cynon Taf2£14,254427,2787
Shropshire5£13,731428,54316
Somerset9£15,129425,32032
South Ayrshire9£14,586423,33611
South Lanarkshire4£14,023425,9449
South Yorkshire11£13,738423,12438
Staffordshire30£14,227428,81453
Stirling10£15,989423,5718
Strabane1£16,995313,481-
Suffolk8£15,508419,58619
Surrey10£15,265422,45024
Swansea5£14,395423,56714
Tyne and Wear19£13,349427,84832
Warwickshire16£15,517320,91518
West Dunbartonshire1£11,998624,7047
West Lothian2£15,998418,4796
West Midlands42£14,894323,19788
West Sussex10£15,885313,70312
West Yorkshire36£14,925320,13772
Wiltshire14£15,384423,28733
Worcestershire14£16,648317,54819
Wrexham1£13,950339,400-
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